vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient 's website is laggy and out of date. Information is difficult to access and identify to efficiently manage my account. 

They should have an easily accessible account summary page that allows to get all frequently needed information for each loan without having to click and load a new page. The load time is lagging and the site occasionally crashes. A financial servicer like Navient must have a good reliable website that doesn't make frustrate repaying. They should look to emulate XXXX XXXX account website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gutel Chargo has gotten a garnishment on my wages. I was never notified of any court proceedings, even the post marks on the documents from the collection agency of the court decision are dated after the garnishment started. The wages being garnished are @ 70 %, plus 25 %, the judge did not care Im recovering from XXXX and a XXXX XXXX, or the fact that this has left me at the point of eviction, since the case, the court, it was all done without my knowledge, in a court out of jurisdiction, in absentia. The XXXX XXXX XXXX court is also not providing any option to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: GA

Complaint narrative:
XXXX  Credit Bureau, and XXXX XXXX continues to not report correctly for XXXX  XXXX x XXXX XX/XX/2018 showing 1 month late. It was never late, and I need it corrected. 
I have called XXXX XXXX, they have no archival files, can't reach a credit contact and XXXX  is someplace else and keeps trying to verifty never gets corrected I need it corrected as Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2021-09-03 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: PA

Complaint narrative:
I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

XXXX  - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} Experian - XXXX XXXX {$2300.00} XXXX {$530.00}

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 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed for unemployment with the Illinois Department of Employment Security in XXXX of XXXX. In XXXX of XXXX my former employer contested and I have been appealing the decision. As of XX/XX/XXXX a decision was made and I was granted benefits. I was given a lump sum payment for XX/XX/XXXX - XX/XX/XXXX that I did not receive while I was waiting on the appeal for a total of {$22000.00} that was sent to my Chase account on XX/XX/XXXX. I did receive two additional payments from IDES that were sent after the lump sum payment. I called Chase twice as well as IDES to figure out where the payment could have gone and neither had an answer. Today, XX/XX/XXXX, I wake up to a notice from Chase that my account is being closed and that Chase will be severing their relationship with me. I can only assume it is because they assumed that the {$22000.00} payment from IDES was fraud. This is the only major account that I use, all of my bill payments are connected to this account. I am now at risk of being kicked out of my apartment and my bills not being paid at the beginning of the month because Chase never thought to contact me on this issue to verify the payment. This is negligent on Chase 's end and I am seeking immediate assistance with this matter. I have attached documents from IDES to further prove the validity of the payment. Please contact me as soon as possible. I need immediate access to the payment that I did not receive from Chase of {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: FL

Complaint narrative:
I, XXXX XXXX ( the consumer, not a third party ), demand that Experian cease and desist from reporting these inaccurate accounts. Unless Experian can produce evidence point by point, sworn under penalty of perjury, signed by 2 witnesses, and notarized they are ignoring FDCPA. In Experian 's most recent response they state the following, " Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. '' According to Federal Law, the burden of proof is on the credit reporting agency, not the consumer. Experian then goes on to state, " If you question the results of our dispute process, you may also contact the furnisher of information directly. " Please take notice that this is a criminal investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States criminal laws. Experians claim of the purported debts appear to be founded upon false records in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 471, 472, 473 and/or 513. Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. Remove the accounts.

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 2021-09-02 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: NY

Complaint narrative:
I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX, Equifax, and XXXX  XX/XX/XXXX, XXXX Credit reporting agencies are not reporting accurate and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
XXXX  / XXXX listed on my other accounts this is a fraudulent account I dont think is even a legal agency I had ask them and mailed letters with identification to provide proof of this collections with no response I am not at all responsible for this collections and cant find this company anywhere I believe this was fraudulent submitted in my name and will ask EQUIFAX to remove this from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After being subjected to a 3 and a half month XXXX XXXX loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing XXXX XXXX so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to TransUnion after I disputed to TransUnion that I still owe XXXX and that I have not paid them in full. and reporting that I still owe XXXX. I supplied TransUnion with a XXXX statement and they chose to ignore the amounts paid to XXXX XXXX  to pay them off and still reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
After being subjected to a 3 and a half month XXXX XXXX loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing XXXX XXXX so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to XXXX  after I disputed to XXXX XXXX I still owe XXXX and that I have not paid them in full. and reporting that I still owe XXXX. I supplied XXXX with a XXXX statement and they chose to ignore the amounts paid to XXXX XXXX to pay them off and still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
I have for now multiple times attempted to resolve these issues with Equifax, however they refuse to do anything. I have sent them a copy of my state issued ID mail from my current address copy of credit report copy of Federal Trade Commission 's Identity theft affidavit for the below listed items. 

XXXX XXXX XXXX Acct # XXXX {$600.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} Unknown - Company not Listed Acct # XXXX {$4200.00} Unknown - Company not Listed Acct # XXXX {$530.00} XXXX XXXX XXXX Acct # XXXX {$720.00} Multiple soft inquiries as well as hard inquiries never acquired are also on my credit report, as well as multiple mispelled names and addresses I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CA

Complaint narrative:
I HAVE ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
In early XXXX I bought XXXX XXXX dollars of a crypto called XXXX on Coinbase at around XXXX dollars. In early XXXX I added to my position and bought another XXXX XXXX dollars of XXXX for around XXXX dollars. As of today XXXX is XXXX dollars which brings my account on coinbase to nearly XXXX XXXX dollars. Over a month ago Coinbase deactivated my account for an unknown reason and has not resolved the issue since than. I have a open long position of chainlink I am unable to cash out since coinbase will not let me access my account I have submitted a support ticket ( Case # XXXX ) with nothing resolved. I have submitted a formal complaint ( Complaint # XXXX ) with nothing resolved. Coinbase has robbed me from my money and an active open long position worth nearly XXXX to date. Please help me access my account to get my money out of Coinbase. I have attached the last email I have received from Coinbase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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:
I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, Equifax XX/XX/2021. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Global Lending Services LLC
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Global Lending Services on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted.Global Lending Services violated federal law. see 15 USC 1681b A2. I did not give Global Lending Services Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from First National Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. First National Bank violated federal law. see 15 USC 1681b A2. I did not give First National Bank Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
XXXX XXXX has gotten a garnishment on my wages. I was never notified of any court proceedings, even the post marks on the documents from the collection agency of the court decision are dated after the garnishment started. The wages being garnished are @ 70 %, plus 25 %, the judge did not care Im recovering from XXXX and a XXXX XXXX, or the fact that this has left me at the point of eviction, since the case, the court, it was all done without my knowledge, in a court out of jurisdiction, in absentia. The XXXX XXXX XXXX court is also not providing any option to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Debt must be removed due to not be able to provide proof of original debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Service offered to defer 3 months of mortgage payments in XX/XX/2020 due to the Covid Pandemic, which coincided with my office being closed and no staff was available to make any payments until XX/XX/2020. Carrington then reported my XXXX and XX/XX/2020 payments were late when they had promised to Defer the payments without penalty. All payments have been up to date Since XX/XX/2020. Please remove late payment comments on my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX  and XXXX  Credit Bureaus is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus  are reporting inaccurate information on WF/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
When i obtained my XXXX  credit report i notice that there were unauthorized inquiries from a bank ( capital one ) that i have no type of banking relationship with. Capital One has pulled my credit on 3 separate occasions without my permission on the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021. To find out that my privacy has been invaded and compromised by Capital One has frustrated me dearly. On the date of XX/XX/2021 I mailed in a letter explaining my frustration on my privacy rights that were violated and have not received a response back since. I have attached the credit report showing the unauthorized inquiries along with the letter sent and confirmation that the letter has been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint doesn't relate to the first one ( XXXX ) and I understand that the unauthorized XXXX online transaction is irreversible. This complaint is about the second unauthorized Wire Transfer transaction that Chase Bank was working on. This week, I received a letter from Chase bank stating that they denied my claim for the Wire Transfer unauthorized transaction because the transaction was authorized by me and I received benefit from it. This is false. Two weeks ago, I have called XXXX and they have confirmed that my phone SIM card was unauthorizedly switched during the time that the unauthorized transaction happened. I have proof that during that time, I had no access to my email, phone number and my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Contacting other people about a debt that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus is reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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