vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification. Equifax contacted me and stated that they don't have my profile. I have attached the FTC report and my ID. Please remove the fraudulent inquiries ASPAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by XXXX XXXX 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 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have been trying to get my money from my coinbase account for almost two years. I sent them countless amounts of tickets and they have closed every single one of them. It was only today that I received an email from them saying that they decided to close my account and that my funds needs to be withdrawn. My account is now in the process of closing but I can not withdraw my funds. When I try to do that it says this : You are currently unable to send Bitcoin. Please contact support.

I sent in another ticket about that message and not being able to withdraw my money from my account. They have never even replied to ANY of my support tickets so I don't know how I'm going to contact support over this withdrawing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Sure I called the company and no one could give me any payment information when I asked. I have an old non PDF statement of account that is VERY different from what the company is now showing. I can have this scanned if needed but anyone with eyes can see what I'm saying without looking at it as the report is very sketchy. 
In XXXX I graduated law school and I would happily return the degree if possible. It's worthless. 
XXXX XXXX spent years convincing me to do things that weren't smart. In XXXX it turned to threats. I said do it so they destroyed my credit. 
In XXXX I had a lawyer draft what I wanted ... a payment schedule that fit with what I could afford on a teacher salary. 
I started paying the agreement and never missed one after. 
However in XXXX they changed handlers. 
I received court notices they were going to sue. 
I spoke and showed every payment and they dropped the charges. 
Now in XXXX I wanted a statement of account. 
In XXXX my XXXX loan was down to XXXX in the paper. I will go through my papers if I need to and get it scanned. 
So I filed a complaint and Navient first provided a statement that they suddenly had all my 10 years of payment. 
I then filed a second complaint wondering why my loans were never changing. 
Now today I received a statement and it's conveniently stating all payments I have made for a decade are entirely in the interest and fees column. This is not what I was told 6 years ago. And for 10 years the balance didn't change at all. 
It doesn't smell honest at all if final bills don't change in a decade of payment. I'd like clarification, especially on the XXXX bill that was down to XXXX in XXXX is now being reported as XXXX back then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Experian sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I had a credit card with TCF bank some years ago. 
At the time I opened it, they offered me 12 months no interest if the entire balance was paid before if not past the last statement of the 12 months. 
I paid every month during that 12 month period the minimum balance and got no interest charged. 
At the last statement, I paid off the credit card and balance completely, only to receive a statement for the next cycle with an interest charge for the balance I paid off. 
I disputed the interest charge saying that TCF Bank was not honoring the promotional offer they offered me. 
They sent the illegally charged interest to collections, an agency called The Bureaus, and had been damaging my credit score for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica
State: MI

Complaint narrative:
I had a checkings account with Comerica bank which I opened due to a promotional coupon. 
I tried several times to use online transfers but I didn't receive the original account number even after opening it online. 
I got a debit card but couldn't activate it. 
Due to so many issues, I requested to have the account closed. 
The account stayed opened and incurred in a fee for not having a direct deposit set up anymore. 
Most banks even offer a waived fee for such issue for the first occurance. The original fee was lower than the {$69.00} requested. 
But instead they send the fee to collections agency, XXXX XXXX XXXX XXXX and are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I get alerts of inaccurate imformation, through credit monitoring. False claims about poor payment history, false claims of credit card utilization, I've been labeled a high risk!! And none of these things are true I have a very good track record with my creditors, I called my creditors to see if their reporting this imformation, to experian and was told there not! Experian is just putting inaccurate imformation on my credit report as they feel. Updates up to a year late, with updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Hello, I was browsing an app that someone told me to check out and then put it down, a hour later i got an email saying my loan was approved and My cash was being sent out, but I NEVER MADE A LOAN. I immediately contacted the company and they said they would take care of it after a lot of struggle. The next day, {$900.00} was taken out of my account which had {$0.00} in it at the time so I was over drafted by {$900.00}. I immediately contacted this company and after some struggle again they said they would fix it and deposited the over drafted money back into the account. Mind you, there had never been any money put into my account. After that I thought it was all over, and 2 months later I get my credit report and it says I'm delinquent on my payment to them. But i check there app and it says I owe {$0.00}. So I contact customer service again and for the past months have been explaining to multiple people what happened and they all assure me it will be taken care of, but then the next day i always get an email saying '' you till owe us {$900.00} '' but i do not owe them anything. I have the chat transcripts, my bank statements and screenshots of the app to prove all this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
We moved from XXXX XXXX XX/XX/XXXX. We notified them in XXXX that we would be moving at the end of our lease due to rent increase. We returned keys in the drop box. In XXXX of XXXX, my brother was called by the company who bought a debt. They made no attempt to contact my husband or I about this debt. XXXX was the first time that we heard of it. When I called them with the number my brother left, they said we owed money to XXXX XXXX for unpaid rent for XXXX, and some damages. She said that blinds were broken ( we had replaced them only a couple months before, due to a notice when we lived there ). That the sink in the kitchen had a leak underneath it ( we had multiple maintenance people employed by them in and out to fix that ) and some other things. I asked why we hadnt received a list in the mail within 30 days of charges, which is Michigan law, so we could dispute them and she said they had no forwarding address. I also asked why we werent called but my family was and she stated no phone numbers. She then emailed me a document from them with our forwarding address on it and our phone numbers listed. Since then they are working with lawyers who will not send us documentation of damages without a written letter, they will not work with us on our disputing of the items that are incorrect ( we dont know what we are being charged of because still no written notice from them ). They told us take them to court and get a lawyer. Also the court papers we received showed they started the filing XX/XX/XXXX the date we moved in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  services the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by target red card services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  services the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by target red card services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1300.00} from XXXX or XXXX Bank are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I have an account with Venmo. They advertise that you can " get your paycheck up to two days early '' by using direct deposit to your Venmo account. I fell for this an allocated {$1300.00} of my pay to go directly to my venmo debit account. 

On XX/XX/21, I attempted to transfer these funds to my bank account using their instant transfer feature. The transfer was declined repeatedly and they suggested that I use their " regular transfer '' which takes " 1-3 business days ''. In effect, instead of getting my funds 2 days early, I would get my funds 3 days late. 

I then went to an ATM to withdraw money from my Venmo debit card. The daily limit is {$400.00}. It was declined by the card issuer ( per the message on the XXXX XXXX ATM screen ). Venmo still debited my account for these funds. 

I called the ATM operator and on the same day they sent the funds back to my Venmo account via the XXXX XXXX. Venmo has yet to credit my account with these funds. 

I have a ticket opened with XXXX XXXX ( though they have done their part ), and with Venmo ( I haven't heard from any human there ). I have used instant chat, email, and phone..with no success. 

I feel that Venmo is misleading in their advertising, and intentionally has no frontline support that can do anything but spout their " canned responses ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I applied for a mortgage with Better for a simple refinance on my home I've owned for five years. I have provided all information in a timely fashion. Better repeatedly and without notice transferred my loan to different processors, treating me with disrespect and a lack of basic communication throughout the process. When Better calculated my income from my rental properties, they failed to do it correctly. Their management, specifically XXXX, refused to provide any calculations or support. I am a retired doctor and I am XXXX, I believe this is the reason for the shabby treatment, repeated assignment of my file to other processors, culminating in the soft denial/withdrawal of my application and the inability for Better to understand my file. By shifting my file around, most people my age would give up or be confused but my accountant kept things organized for me in this process. I have strong suspicion that this practice of shifting my file around endlessly was age discrimination, which is contrary to Fair Housing and other Federal laws. After my accountant calculated, using Fannie guidelines, what my income would be for my rental properties they would not substantiate or show their work on how they said I had negative income, leading to an ultimate withdrawal of my application after spending money on their appraisal and wasting a month of time. My accountant and I were willing to explain the difference on depreciation to them, but they had no understanding at all of people with a simple rental property. Ultimately, their proposed estimate would have resulted in a 30 % reduction in my monthly payment, which is why their rejection on DTI concerns is preposterous. I request the CFPB to investigate on behalf of myself and other people similarly situated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST METROPOLITAN FINANCIAL SERVICES, INC.
State: TN

Complaint narrative:
I paid off two loans with First Metropolitan Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX they were paid off in XXXX of 2020. I have been trying to get both title to the cars. They are refusing to give them to me. They are telling me I put these cars up for collateral on a Furniture loan. They illegally put this on my contract. I ask them to show it to me and they can not provide any written document that I put them up. I have been trying get my Titles since last year. I call and they want talk to me. I sent over letters they return them. I ask them to provide me with all of my payment because the numbers was off for pay off. they refused to give me any payment records. I asked them how can I use something for collateral and didn't owe the cars at that time. i was still paying on they. now that I have paid them off. They holding my title .... trying to take me to court on a another loan. That has nothing to do with these loans XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX SS # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: FL

Complaint narrative:
Hi there, I have a chase business account. I have been a member with them for over 15 years and I rarely ever file a claim. On XX/XX/2020 I got scammed from a merchant from XXXX for {$750.00}. The product was for a service. 

On XX/XX/XXXX I submitted a claim that the funds were not as received. The merchant provided an agreement and that I signed and carefully selected screenshots of our conversation. and chase ruled in their favor without even giving me a chance to fight back. They said that the transaction was accurate.Upon calling them they asked me to show proof of the item which I had to reiterate to them multiple times that it was a service. 

On XX/XX/XXXX they told me I have to provide evidence on my end if they were to reopen the case. I went ahead and provided the remainder of screenshots of the conversation that the merchant did not provide. The part of the conversation where I kept expressing that the services were not rendered as described. 

Chase then ruled in the scammers favor again without giving me an explanation. Then on XX/XX/XXXX, I reopened the claim once again. Chase ruled in the favor of the merchant on XX/XX/XXXX without explanation. 

On XX/XX/XXXX I just called to figure out what happened and they told me its been 120 days since the charge so they can no longer help me. Even though they are the ones that took extra time in order to not help me.

Company response to consumer: Closed with explanation