vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FL

Complaint narrative:
I've already called several times and written several letters, to Experian, Explaining to themand sending proof that they have incorrect names and addresses on my credit report. 

They have responded they continue to leave it not because they are suppose to make sure everything on my report is 100 % accurate but because someone told them it was correct. 

I am not a XXXX. My Father name is XXXX XXXX XXXX I have never been a XXXX, period. I shouldn't have to fight and beg with a company over what MY name is. My name is XXXX XXXX XXXX. Anything other than that needs to be removed from my credit report. 

There is an incorrect fraud/identity theft address on my report. 
I live at XXXX XXXX XXXX XXXX XXXX, Fl XXXX Any other address on my report is not mine have never been mine that is fraud and please remove. 

I'm attaching my id with my correct name and correct address. Anything outside of that please remove, because you are upholding fraud and identity theft if you do not. 


I have file number XXXX XXXX XXXX and 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 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good afternoon, I bank with Wells Fargo but they still charge me a non Wells Fargo atm fee when I drive out of my way to use their teller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/2019 National Credit System added a derogatory mark on my credit per XXXX XXXX. Upon further research, this account was transferred and sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communicatio, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to FCRA National Credit System has violated my rights as a consumer and Im requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
I picked up the first few calls to dispute debt, and to figure out what I can do. The first guy I talked to starting saying things along the lines of no wonder why they sent your debt off so quick they dont want to work with you, and other things about my personal life. I asked them to stop calling me and texting and to only email me. They are still calling and will not give me a clear answer to what I need to do. The company is hunter warfare in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 at approximately XXXX EST my coinbase.com account was compromised. The individual or individuals were able to transfer funds totaling approximately {$35000.00} to an unknown wallet.. 

I disabled my account at XXXX EST but the damage was already done. I have since sent several e-mails ( there is no live customer support line ) to try and get any additional information or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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:
On XX/XX/2021, I opened a second dispute of XXXX XXXX with Experian and XXXX. I submitted proof to Experian that I sent a verification letter to XXXX XXXX and they did not respond within 30 days. Experian notified me that their investigation was complete on XX/XX/2021 and the negative reporting of XXXX XXXX remains on my 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 2021-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are two late payments listed on a XXXX XXXX XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I think you should do something about the hundreds of people a day being sued during a pandemic. Souless monsters filling up our court everyday since covid sucking what bit of life we have left out of us! Unfair, these people are coming out of the woodwork like vultures. Billon dollar indrusty thriving during a pandemic. There is something very wrong about that. Disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Due to unforeseen life circumstances, I had to filed bankruptcy in 2019 and included a lease with Ford Motor Company in that bankruptcy. I found out that my attorney, XXXX XXXX filed a reaffirmation agreement with Ford Motor Company 4 to 5 months AFTER my bankruptcy was closed and discharged. I reached out to my attorney to find out why he did that without my knowledge and was informed that he was disbarred due to unethical practices. I reached out to Ford Motor Company but was told they would not do anything. 

I am trying to obtain a vehicle for work but my credit reports are reflecting a bankruptcy and a repo post bankruptcy. I feel that the information being reported to the credit bureaus by Ford Motor Company is inaccurate and misleading and I have tried to rectify but have been denied. 

I have attached copies of supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX closed my complaint without fixing the issue. Transunion and XXXX claims that the information is no longer reporting but it infact. 

The credit reporting agencies claims that they verified the alleged bankruptcy on my report through the courts or the attorney. XXXX claims XXXX XXXX. 

This information is not XXXX XXXX system so that is false and I have enclosed my letter from the court house where they assures that the credit reporting agencies are lying.

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 2021-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington closed out my HELOC without my knowledge. I have talked to the branch where they confirmed they have in the system I talked with a representative and told them I wanted to keep the HELOC open. I went to close on a house and they told me it wasn't available. The representative also said they don't have anything on file where my wife or I requested for it to be closed. I have been waiting on a response but the local branch can't get an answer from corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are twoXX/XX/XXXX card accounts listed on my account, the first with a {$1600.00} credit limit and a close date of XX/XX/XXXX, but a last payment date of XX/XX/XXXX and pays as agrees status through XX/XX/XXXX. These late payments are incorrect and should be removed, but they have not been. Is is apparent they are incorrect as the dates do not line up and there is no payment information for the times the account was actually open. The second account is listed as a charge off paid on XX/XX/XXXX and opened in XXXX, but with no pays as agreed information and no credit amounts listed, only two 30 days past, one 60 days, one 90, and then a charge off, in XX/XX/XXXX. This account was in good standing until it was closed, and that should reflect on my 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 2021-03-05 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: OH

Complaint narrative:
Sir My Credit union XXXXXX/XX/XXXX ) sent a Payment to Capital 1 bank in error. It was supposed to go to a second card at Capital 1. Now I have a XXXX Dollar+ CREDIT Balance XX/XX/XXXX Card and an Overdue payment on Second Card. Today XXXX XX/XX/2021 ) I called Capital 1 and requested credit payment be transferred to the second due card. They said we cant due that! I said twill XXXX take to get a checkhat I have done that before and Its CLEARED funds. So The lady suggested that I get a refund issued. I asked how long will it take to get it, She said 10 days XXXX Business days ). WE CAN PUT A MAN ON THE MOON IN LESS TIME!!!!!!!!!!!. In the Mean time I cant go out and transfer funds at my bank due to the fact that I am a high risk Person and care giver for a XXXX year old parent, also high risk. This leaves me over due and subject to late fee and reporting to Credit Bureaus. I Don't have the luxury to make a payment while XXXX Dollar payment is tied up, This is DECEPTIVE and out right FRAUD on the part of the bank to charge and collect these late fees ( Also Profitable ). This would not have happened if it wasnt for their XXXX site that I haven't been able to get on for a YEAR. This has happened several times before in the last couple of years,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: AL

Complaint narrative:
My elderly parents had numerous accounts through which they conducted banking. My mother managed all of these accounts. As her health failed, I began assisting in paying bills. My mother died suddenly, and my father knew nothing about online banking and my mother 's passwords were unknown. My father attempted to add me to his Capital Bank ( now XXXX XXXX  ) account, but didn't know the security information and the nearest branch was hundreds of miles from his home. I attempted to have the required documents for adding me sent to my father, but they refused because he didn't know the answers to security questions that my mother had made and, again, told him he would have to drive 200 miles to XXXX to add me in person. With neither of us having access to the account, we had no way of knowing what bills my mother had paid through the account or the account balance. Unsurprisingly, my father had his home and auto insurance cancelled for non-payment and received a letter from First Horizon demanding {$430.00}, nearly all of which was overdraft fees. He is XXXX, has no internet access, and has trouble with financial transactions more complex than using a debit card. I live 500 miles from him and have arranged autopay for all his bills, but I believe that XXXX XXXX took advantage of my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXX data breach and may have gotten into hands of the wrong person.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I paid a debt in collections directly to the creditor as instructed, however the collection agency as well as the creditor have yet to remove this from my credit report. 
Amount of debt : {$100.00}, paid in full on XX/XX/2021. 
I have contacted both to resolve this matter but both refuse to contact each other to resolve this matter. Dates of contact : XX/XX/2021, XX/XX/2021 & XX/XX/2021. 
The companies involved are XXXX XXXX in XXXX, Florida ( creditor ) and Credit Collection Services in XXXX, MA. 
Contact info : XXXX XXXX, XXXX, FL, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2021, I opened a second dispute of XXXX XXXX withXX/XX/XXXX and Transunion. I submitted proof to XX/XX/XXXX that I sent a verification letter to XXXX XXXX and they did not respond within 30 days. XX/XX/XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of XXXX XXXX remains on my 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 2021-03-05 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2021, I opened a second dispute of Goldman Sachs with XXXX and XXXX. I submitted proof to XXXX that I sent a verification letter to Goldman Sachs and they did not respond within 30 days. XXXX notified me that their investigation was complete on XX/XX/2021 and the negative reporting of Goldman Sachs remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CBC Companies, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : factual data, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the Equifax data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This was a high impact on my credit report as a loan opened in XX/XX/2019. I have no knowledge of this loan and have NEVER applied for a loan. When I tried to contact the company, they are no longer in business.

Company response to consumer: Closed with explanation