vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: MA

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: C/C Financial
State: NE

Complaint narrative:
I had set up to buy some furniture. I decided i did not need that anymore and to cancel my order. I was told it was cancel. XXXX XXXX went to pick up the stuff i called and cancel out. I feel she acted as me to get the things i cancel. If they check id. There wouldnt have been a problem but they gave the stuff to the wrong person. After i called and cancel. Someone on there end did not do the job right and reported it to the right people to get this remove for my order. I had called and complain. They allow someone else to use my information to get things from the store. After i cancel out my order. XXXX XXXX had called them and picked up the stuff. She did not have my permission or the store did not have my permission to give anything away i had cancel out. They fail to check id. I never wanted this account open anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XX/XX/19 - Coinbase took BTC ( XXXX ) from my wallet without authorization. 

Have reached out to support many many times and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I received an email offer from American Express to receive XXXX Membership Rewards points if I opened a savings account and deposited {$25000.00} by XX/XX/2020 and held those funds in your account through XX/XX/2020. The advertisement encouraged me to be looking ahead to the future and the timing was great because I was going to be buying my first home soon and needed to keep the down payment money in cash somewhere until then. 

The terms and conditions stated that the XXXX Membership Rewards points would be deposited within 8 to 12 weeks after the conditions of the offer were met. After twelve weeks, I called American Express National Bank who told me that some of the Membership Rewards points had not posted for folks due to a computer error and to give them a few more weeks. 

When I called back on XX/XX/XXXX, a representative from American Express National Bank stated that it appeared that I had met all of the terms and conditions and that she did not know why I hadn't received my points, but that American Express Bank was not the group that actually posted Membership Rewards points to accounts. She stated she would " open a case. '' Now, nearly a month later, it seems clear that American Express National Bank has insufficient policies and procedures to actually pay out this bonus.

Since American Express failed to pay out the bonus in the timeframe provided, this appears to me to be a violation of 12 CFR 1030.8 and and deceptive act or practice under the Unfair, Deceptive, or Abusive Act or Practices ( UDAAP ) framework.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX  shows the following misinformation : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$120.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX XXXX XXXX XXXX  {$120.00} ( XXXX ) XXXX. XXXX XXXX. {$120.00} ( XXXX ) XXXX the following : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$30.00} ( XXXX ) XXXX XXXX XXXX {$970.00} ( XXXX ) american Collections Ent. {$28.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$120.00} ( 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 2021-02-27 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: Synovus Bank
State: OH

Complaint narrative:
I had a secure credit card account with First Progress. I closed my account and requested that I get my security deposit back back in XX/XX/XXXX. They claim that they sent a check that I never received in XXXX and I can't get them to move on and get me my money back. they keep requesting that I send faxes and I've done that on several occasions as well as call in these most recent days it's been I sent one on XX/XX/XXXX and XX/XX/XXXX. The last paper shows a fax report that I had sent with my XX/XX/XXXX fax to show my previous attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CO

Complaint narrative:
There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I booked a flight to Hawaii through XXXX XXXX. Upon checking out, I was offered a XXXX credit if I applied for an XXXX XXXX credit card. I applied for the card, but did not see my XXXX credit after 90 days and after I spent over XXXX. I called the card company on XX/XX/XXXX and spoke to XXXX who registered an inquiry. On XX/XX/XXXX, I received a letter with instructions to call to discuss my case. Upon calling the credit card company, I learned that I had inadvertently opted for a no annual fee, so I did not qualify for the XXXX credit. I was not aware that I had to chose between the two because I would have obviously opted for the XXXX credit.My complaint is that the offer was ambiguous and deceptive. I never would have applied for the card if I wasn't getting a XXXX credit. The amount of time I have wasted plus the frustration has made this a very unpleasant experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We recently refinanced our Santander mortgage with a new Santander mortgage. The process began in XXXX was long and drawn out and the communication was less than stellar. However, our complaints center around two items. First the Closing Disclosure document is due to the borrower at least 3 days before closing. I was sent this document by email 53 minutes before closing on XX/XX/XXXX. My husband - who is a co-borrower - was not provided with the document at all prior to closing. 

This led to other issues. I had asked for the principal amount of the loan to be reduced to only cover the amount needed to close out the old loan and cover closing costs. Due to the 4-month delay, this would have decreased our principal by several thousand dollars as the original mortgage was for $ XXXX and the new mortgage is almost $ XXXX. This was not done as requested and, given we only learned this at closing, we either had to postpone closing ( which had already been delayed by months ) or accept the error. 

The second issue is that we were not told not to pay our XXXX mortgage payment for the old loan. Upon review of the Closing Disclosure at Closing, we asked about when to stop paying our current Santander mortgage. We were told that we should have already stopped as they assumed no payment in XXXX when calculating the final payoff amount for that loan. Given closing was on the XXXX of the month and our auto payment goes out that day, I was unable to stop it. So, I paid {$5400.00} to XXXX in early XXXX with no information on how or when I would get that money back. I followed up for the second time with XXXX yesterday ( XX/XX/26 ) and was told that they 'believe ' the money will come back in the form of a check likely in another 4-6 weeks.

I believe this is unfair and deceptive on the part of Santander as they should have told us not to pay the XXXX payment before XX/XX/XXXX. If we hadn't asked, I'm not sure we would have been informed of this at all. Now, Santander will have possession of the almost {$5500.00} for about 2 months - money that is mine and should be earning interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Please verify that this account belongs to me. I have no knowledge of this account. Please delete from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are not mine. I don't know who's they are. Can you kindly remove them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Company name : BRIDGECREST FORMERLY XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Case Date Opened XX/XX/2017 Case Date Closed XX/XX/2017 I purchased a vehicle from XXXX and was in a serious accident, the vehicle was totaled. I had full coverage insurance on the vehicle and therefore, XXXX  was paid in full by my car insurance. 

Bridgecrest remarks that the car was " PAID THROUGH INSURANCE '' Bridgecrest notes the Pay status is " Account paid in Full ; was a Charge-off '' I disagree that this is a charge-off since the the account was paid in full by my insurance and shows a balance of {$0.00} and a monthly payment of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: AK

Complaint narrative:
Credence Resource Management keeps calling asking for personal information ( ss #, birth-date, etc ) before the will tell me why the are calling. I have called back trying to get information without providing personal info. I asked that they send me a letter with details of the issue. They say they need me to verify my current address, I told them to mail to the address they have on file. ( we have had the same address for 35 years ). 

There is nothing on my credit report showing an issue and we do not carry a balance on any credit cards. 

I believe this is a scam and want them to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Dear sir/madam, MIDLAND CREDIT MANAGEMENT has been reporting to the 3 credit agencies that I owe {$430.00} to them for an original creditor called '01 XXXX XXXX '. 

They have been calling me at home and work numbers several days per week harassing me about this money. I DO NOT owe them any money! And they are in the process of RUINING my credit. 

I have submitted a dispute via XXXX XXXX  but no response yet. I suspect this could be owed by someone with a similar name as mine. 

Please help! Midland Credit Management is ruining my credit with a BOGUS collection submitted to all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
XXXX has reported my account late from XX/XX/2020-XX/XX/2020. I filed for covid 19 assistance with XXXX to move the payments from MXX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has reported my account late from XX/XX/XXXX-XX/XX/XXXX. I filed for covid 19 assistance with XXXX to move the payments from XX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CA

Complaint narrative:
I have disputed the errors on my credit report several times, but they still show up on it. I want you to continue the investigation until all the information is correct. If you can not do it, remove the negative accounts from my report. I also have inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: I.C. System, Inc.
State: MD

Complaint narrative:
I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX ) IC sys {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} 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 2021-02-27 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: Velocity Portfolio Group
State: MD

Complaint narrative:
I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX XXXX ) XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX ) XXXX XXXX XXXX {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXXn XXXX XXXX. {$120.00} 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 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is not a problem with a payment. Your form just doesn't list my problem. My problem is this, Ally Home Mortgage sent me a Privacy Policy Notice that directs me to their website to OPT OUT of marketing. I have tried numerous times over numerous days to submit this form. Every time the form is submitted, I get an error message. Regulation P requires lenders to provide me a way to opt out of their marketing. And this mortgage company is not in compliance with the law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage Services LLC has reported that our mortgage is more then 180 day due to the credit company 's. We do have a COVID 19 Pandemic Forbearance Plan with them. After call the company, We were told they didn't report our information the XXXX XXXX XXXX XXXX XXXX, however my credit score has dropped over a XXXX points in one month. 

CARNG TN MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation