vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: VA

Complaint narrative:
I have tried multiple times to dispute negative items on my credit report these items are not mines and have not been given reason why they are on my report I have done some reading and seen it a item can not be verified within thirty days it has to be remove it has been more then thirty days and I have not received any thing from the bureaus this is very frustrating because I am trying purchase a house

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 2021-12-11 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:
On XX/XX/XXXX, I sent your office a notice and you have violated my federal consumer rights. Notice, it is a fact that I am a federally protected consumer. So now, this is my second and final request of compliance. If within, 30 days TransUnion fails to comply we will have to handle this in court. Notice, it is a fact that I know it is a crime to threaten a lawsuit if I don't intentionally plan to do so, so please take this matter very seriously.

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 2021-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 I received a payment from an user name XXXX XXXX for a transaction we made on a platform in XXXX, she transferred {$700.00} as she supposed to, she also sent money to other people I know who uses that platform. On XX/XX/2021 I noticed on my bank a hold for that money, when I called the bank the bank fraud department told me it is because she is saying someone stole her identity and made those XXXX payments, how is it possible that the bank more than a month later allow someone to claim such a thing without even a police report or something. So basically at this point I dont have my money and that person could have performed a perfect fraud to me and the bank is not protecting my assets correctly cause all they tell me is there is nothing they can do. This is gross negligence they are saying that if they notice that someone made a transfer from an IP address that is not the ones they usually use they are giving the claim to them. So technically if I use the phone of someone I know and make a transfer and then call the bank and say hey I was victim of identity theft they will just simply give me back my money cause the money was not sent from my common ip addresses? That doesnt even make sense. I am not the only person I know who has suffered from this scam in the past couple of months and the bank seems to not care.

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 2021-12-11 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I had originally CFPB complaint # XXXX for Kia Motors not providing the correct Bill of Sale and Title after we purchased the vehicle. Kia omitted the sales tax we paid. Vehicle was originally a lease and we paid off balance in XX/XX/2021. 

Kia finally provided the updated and correct Bill of Sale after the CFPB complaint. I have sent the signed Bill of Sale XXXX times to Kia Motors and they have not provided me the corrected title ( including the sales tax I paid ). I had mailed a copy of the signed Bill of Sale on XXXX. I also faxed a copies on XXXX and XXXX as evidenced by the fax transmittals. 

I have requested a phone call from Kia to explain to me why there is such a delay. I have made numerous phone calls to the call center and their is no resolution or satisfactory action. It has been almost XXXX  months from when the vehicle has been purchased. The car 's registration expired in XXXX and we have been unable to drive it since. Kia has not made any attempts in contacting me to explain. The latest mail postmarked XXXX ( but Kia letter dated XXXX ) provided the Bill of Sale. I have sent the requested signed Bill of Sale multiple times. A copy is included in the attached fax dated 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 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, This is my second complaint about PayPal and the second time they have held our fundraising dollars XXXX. They will not release our funds until we sign onto their " Giving Fund. '' If we don't sign onto this fund, they keep our money for XXXX days until they send a check. I have tried at least XXXX times to fill out the form but I keep getting an error message. I spent over an hour on the phone with a representative who couldn't do anything but " fill out a ticket. '' When I finally received an email from PayPal I again followed the directions but got the same error message. I would like our funds released. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
During XXXX XXXX, XXXX XXXX XXXX paid their attorney {$1500.00} to file Bankruptcy in order to stop the sale date of my home. XXXX XXXX is foreclosing on my home and has set a new sales date of XX/XX/22.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I received a notice that a savings account had been opened in my name at Navy Federal Credit Union, mailed to an address that I had not lived at for 40 years. I did not open this account or request it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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:
Equifax has blocked or deleted my credit report and this has stopped me from gaining access to credit. I received a letter asking to send in my identification- I have mailed it in but still no change - so I am sending thru this portal to see if this can resolve the block on my credit score because this is is hurting my lifestyle and my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: Nelnet, Inc.
State: TX

Complaint narrative:
These 3 agencies XXXX, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over XXXX years ( XXXX months ) given this can be done. This is not yet done.

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 2021-12-11 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.

Complaint narrative:
I am experiencing a problem of identity mismatch and credit reporting negligence, tried a-lot but nothing changed. I have two account showing in my credit report which don not belong to me. One is XXXX credit card with limit XXXX $ which opened in XX/XX/XXXX. Other one is government student loan of {$21000.00} and opened in XXXX, XXXX. The problem is When these accounts opened I was not in XXXX. I moved to XXXX on XXXX XX/XX/XXXX which I have all proofs. I disputed these two account 3 times with trans union credit bureau in past 2 years and one time visited in person to discuss that after confirmation from customer representative and they denied to meet when I was there in front of office rather they always says the accounts belong to you and rejected my dispute. I directly contacted the creditors and they clearly mentioned these account not belongs to me. Trans union is XXXX XXXX me and it become unbearable for me.

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 2021-12-11 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: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
I contacted the company the debt was sold to and they dont even have the same account number as the bill I have showing what I actually owe, which is less. 
We received services for my daughter XXXX who was XXXX XXXX at the emergency room for XXXX XXXX, with XXXX insurance. The insurance paid the hospital but the attending physician was contracted and has an agreement with XXXX for specific amounts to be paid by them. XXXX was only responsible for {$70.00} of the {$500.00} to the physician which was never paid. Therefore a bill was sold to collections in my name because I am her mother and legal guardian, for the {$500.00} and not the actual {$70.00} per the insurance contract between the physician and XXXX. 

When I spoke to the company the debt is sold to they were of no help and insisted that I owe {$500.00}. When I told them I have the bill in my hand showing what I actually owe per my insurance and contract the physician has with XXXX, they didnt want to listen. 

I tried to dispute it with XXXX and submitted the bill I have and it didnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please send me The True Books including : 1.balance sheet, 2.FAS XXXX, 3.Thrift Finance Report ( TFR ), 4.FR XXXX Balance Sheet, 5.XXXX-OID, 6.S-XXXX/A registration statement, 7. XXXX-bXXXX prospectus, 8. RC-S and RC-B call schedules. 
9. XXXX-C Your failure to send these documents within XXXX days you agree to pay Me {$3000.00} in the form of a check.

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 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I sent XXXX XXXX crypto coins from XXXX to Coinbase XXXX. XXXX was listed on both exchanges with the same ticker. Listed as XXXX. After I transferred the crypto a time went by and the transfer had shown success but my balance never changed. I went to the forums to search for any outages or issues. Apparently this has become a huge issue and many just like me suffered the same fate. Coinbases customer service is almost non-existent. Reaching out to them twice I have never made it past an automated response. I have since moved all my crypto currency off the exchange and implore all that I come in contact with to do the same. This happens everyday. Coinbase holds the private keys to the address where my crypto sits. I can see it using another crypto wallet of mine but since Coinbase holds the private keys I can only see it and not do anything about it. Coinbase could just return to sender. It would go right back to the address it came from. Just like the mail. Coinbase own the address but will not do this. So even though {$600.00} value at the time isnt life changing I do believe that considering the distinction between what is claimed to be two different tokens but with the exact same ticker is misleading and caused myself and many others to lose money. Even on Coinbases exchange the crypto in question lists its use case for this version of the token exactly as the coin that I have. However you can not stake or use is to bring devices on the XXXX network. You can only do that with the version of the token that I have. This was not listed anywhere. There were no safeguards to prevent mislead consumers from sending the crypto to Coinbase pro. Since Coinbase has changed the ticker to add another identifier. As it should have been all along. Consumers would have known there was a difference between the two and at least been given the opportunity to not make the transfer. The tickers were the same however when I sent. This is my formal complaint about the company and exchange. My money will sit there in an address that Coinbase owns, has access to, and that could return until it lays dormant for long enough as to they can then legally remove the token by XXXX. I was mislead by this company and exchange. I will try to hold onto my account as long as possible to hopefully get the crypto that I worked so hard for back. I implore someone to do something about this exchange and its shady business matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
My wife and my wife filed for bankruptcy in 2013, due to excessive credit card amounts. A company called LexisNexis was giving out questionable credit information so they agreed to refrain from giving out information without my consent. I spoke with them earlier this year and placed a freeze on my account. 

As I am XXXX  years of age and my only income is Social Secur4ity, I deal only in cash or bank cash card. No credit cards. 

As Insurance rates have increased drastically, I recently went shopping for a lower rate and bam XXXX XXXX XXXX has notified me that my reported insurance score is 609and therefore a much higher rate will be charged. I have never defaulted or made a late payment on my insurance. Tower list reason given, XXXX. These reasons by themselves are very questionable, but have no bearing on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: Grain Technology, Inc.
State: NC

Complaint narrative:
Please send me XXXX XXXX XXXX including : 1.balance sheet, 2.XXXX XXXX, 3.XXXX XXXX XXXX XXXX XXXX  ), 4.XXXX  XXXX Balance Sheet, 5XXXX, 6.XXXX registration statement, 7. XXXX XXXX 8. XXXX XXXX XXXX call schedules. 
9. 1099-C Your failure to send these documents within 3 days you agree to pay Me {$3000.00} in the form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions. 

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.

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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions.

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am truly delighted to share my valued customer service experience with PennyMac Loan Services to any and all potential clients/customers/victims. 
I am inclined to believe that PennyMac must be the clone or recent descendant of the flawed XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX. 
The lack of live voice communication is overwhelming the initial mortgage loan application began on Wednesday, XX/XX/2021, with a chattery, enthusiastic loan officer. Who ended our conversation with the acceptance of my money for an appraisal fee and the salutations of a used car salesman, never to be heard from again ghosted. 
Twelve days later ( XXXX ) I had an appraisal ; 4 days later ( XXXX ) I received the official report/results of the appraisal. There had to be another XXXX  takeover of PennyMacs communication system, cause I still have not heard a whimper from the loan officer or his compatriots. 
To finally put my mind at ease and solidify my confidence in PennyMac, my emailed messages have gone unanswered and my initiated phone call was vague at best. My loan officer did not remember me; denied receiving any emails and promised to call me back the following day with an update. Needless to say, I sit by the phone with bated-breath, awaiting that long overdue phone call.

My long-suffering contempt for PennyMac is justified for the following reasons : 1. I have been
a loyal, well-standing customer for the past 4 years.

2. I have never missed a payment nor have I been late for a payment.

3. The equity in my home exceeds {$120000.00} 4. My XXXX/credit score exceeds 740. 
5. My loan application to refinance with a cash-out was to facilitate a revamped bathroom ; needed to accommodate my recovery of a total XXXX XXXX and advanced age. 
I fully understand why PennyMac Mortgage Loan Services is not included in the Top 5 List of Mortgage Loan companies, not even the Top 10. This is a fair warning Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation