vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have submitted challeges of account on my credit report to transunion, XXXX and XXXX ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
During my stay at two communities, one in XXXX XXXX and one at XXXX, XXXX, I was incorrectly charged for services. I was charged when I was " evicted '' however, mail was received there, and never given ; due to XXXX agendas. 

When I left XXXX at XXXX XXXX XXXX it was due to XXXX related injuries. While away another student, XXXX XXXX occupied that unit. Both of us are XXXX males and look similar. When I left the community I told the Dean and a student whose family owned the property why I left. The Dean ignored my request, due to XXXX and the student said her family would take care of it. 

After I left, I was billed, repeatedly from the same community which is also the owner, or business agent of the XXXX XXXX location. However, XXXX used the wrong name and background information to claim the same bills on the same account. I was then " evicted '' however, each time I returned for XXXX gifts to myself I was denied access to the unit. 

Additionally, I attempted to begin multiple businesses at my XXXX residence through the community and a car dealer. In both instances I was denied for an unexplained reason. I assume it was due to XXXX and race, but when I submitted the complaint to the XXXX, XXXX XXXX XXXX, led my XXXX XXXX, and other institutional agencioes, my investigation requests were denied. 

Per 1L contract law, the contract drafter is responsible for faults in contracts. Just like debt collection. Therefore, I can't be held responsible for an incorrect name, an incorrect credit grant, and lies or cover-ups to get payment for services inadequately rendered. In XXXX I said I needed a quiet community for work, there was loud construction daily. Nuisance related to XXXX. In XXXX, I wasn't even there, due to XXXX, therefore, XXXX, who data breached my information, per an XXXX credit check, can not, must not and shall not continue to charge me for inadequate information. However, each time I need a car or access to new credit these histories show up and damage my credit further on each pull. 

The only proper action in all these instances of leaks, lies, and deception on the parts of the agencies, actors, and quasi-governmental institutions is to remove any and all instances or admit fault in investigation. 

Regardless, I tried at least 5 times with each one for resolution to their imposed lies and deceit. Most recently, with XXXX yesterday morning, and I don't go back to XXXX because each time they tend to call the police. 

Remove these and all faults tied to it. Its the only plausible and equitable solution, short a suit under the FCRA, ADA, and Bill of Rights.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LINCOLN MORTGAGE COMPANY
State: TX

Complaint narrative:
During my stay at two communities, one in XXXX XXXX and one at XXXX, XXXX, I was incorrectly charged for services. I was charged when I was " evicted '' however, mail was received there, and never given ; due to XXXX agendas. 

When I left XXXX at XXXX XXXX XXXX it was due to XXXX related injuries. While away another student, XXXX XXXX occupied that unit. Both of us are XXXX males and look similar. When I left the community I told the Dean and a student whose family owned the property why I left. The Dean ignored my request, due to XXXX and the student said her family would take care of it. 

After I left, I was billed, repeatedly from the same community which is also the owner, or business agent of the XXXX XXXX location. However, XXXX used the wrong name and background information to claim the same bills on the same account. I was then " evicted '' however, each time I returned for XXXX gifts to myself I was denied access to the unit. 

Additionally, I attempted to begin multiple businesses at my XXXX residence through the community and a car dealer. In both instances I was denied for an unexplained reason. I assume it was due to XXXX and race, but when I submitted the complaint to the XXXX, XXXX XXXX XXXX, led my XXXX XXXX, and other institutional agencioes, my investigation requests were denied. 

Per 1L contract law, the contract drafter is responsible for faults in contracts. Just like debt collection. Therefore, I can't be held responsible for an incorrect name, an incorrect credit grant, and lies or cover-ups to get payment for services inadequately rendered. In XXXX I said I needed a quiet community for work, there was loud construction daily. Nuisance related to XXXX. In XXXX, I wasn't even there, due to XXXX, therefore, XXXX, who data breached my information, per an XXXX credit check, can not, must not and shall not continue to charge me for inadequate information. However, each time I need a car or access to new credit these histories show up and damage my credit further on each pull. 

The only proper action in all these instances of leaks, lies, and deception on the parts of the agencies, actors, and quasi-governmental institutions is to remove any and all instances or admit fault in investigation. 

Regardless, I tried at least 5 times with each one for resolution to their imposed lies and deceit. Most recently, with XXXX yesterday morning, and I don't go back to XXXX because each time they tend to call the police. 

Remove these and all faults tied to it. Its the only plausible and equitable solution, short a suit under the FCRA, ADA, and Bill of Rights.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I initiated a {$200000.00} wire transfer depositing USD into my Coinbase account on XX/XX/12. The funds left my bank account and have still not appeared in my Coinbase account. Its states on the Coinbase site that domestic wire transfers will fun either same day, or in a worst case, the next day.

I have also not spoken to a single person at Coinbase despite formally filing complaint case # XXXX. I have not received any information as to where that money is, over a week after the money was wired to Coinbase. This is unacceptable and must be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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:
An e-OSCAR XXXX was sent by XXXX ( XXXX XXXX ) to Equifax to delete a line item off my credit report. The XXXX No. XXXX. 

This was sent on XX/XX/2021 and XXXX states that sent this to Equifax and Equifax did not delete the line on my credit report. This is very important and has been an ongoing issue for months now. XXXX XXXX has stated numerous times that they want this removed per the XXXX above. 

Please investigate ASAP as this is been an ongoing issue that is preventing me from closing on my house. The use of e-OSCAR is supposed to prevent delays such as these, but it seems to have fallen through the cracks. I have filed a XXXX complaint in the hopes of getting things moving in the right direction as well. I would love to just have this removed per the request of the data furnisher ( XXXX ) as the other credit reporting agencies have already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient keeps repeatedly calling me regarding a late payment. They are calling over 5 times per day & they don't leave a message so that way there is no trail of their calls, but my phone documents all their calls. I have a futurecpayment all ready scheduled to come out of my account & I can see the pending payment in they're system, so why can't they? Everytime I tell them they are harassing my, they say there is no limit on the amount of times they can call me, so they're calling me all day & not leaving messages. To me this is unacceptable & I form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: The CMI Group, Inc.
State: HI

Complaint narrative:
Ive been getting calls from XXXX. 
They want my address and the last four of my SSN number. They state they are calling from Credit management LLC. They dont want to give out their name. 

I find it quite odd that when I withdrew my retirement annuity from XXXX that The phone calls started. 

I told them to send me a letter and I will check with FTC and XXXX  ... they put me on hold for 10 minutes. I hung up and called the same number back and before I could say hello, they already had my name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: SC

Complaint narrative:
I have sent multiple investigation request to Equifax in regards to the reporting of 3 accounts ; XXXX XXXX XXXX and two accounts that don't have a creditor reporting. I requested the investigation because all 3 accounts are reporting inaccurately. I haven't received any correspondences or notifications from Equifax on either of these accounts since I requested the initial investigation in XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
I XXXX XXXX XXXX, submitted a complaint on XXXX on Experian, by law Experian had 30 days to reply to my complaint. Today is XX/XX/2021, which is over 45 days. 

I'm asking CFPB to have Experian remove all items that are attached to complaint number removed from my credit report immediately according to the letter I wrote. 

Complaint number is 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 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My mortgage loan was with XXXX XXXX when I fell behind on some mortgage payments in XXXX of XXXX. I reached out to XXXX XXXX regarding modification. We started the modification process, and I was waiting for the decision. In the process of the modification, the loan was sold to Shellpoint mortgage in XX/XX/XXXX, I received a letter explaining my loan was transferred, but I didn't receive anything from XXXX XXXX. I reached out to Shellpoint regarding the status of my modification because I was assured that they will pick up where XXXX XXXX left off. A few days letter I receive a letter that my house is going to be foreclosed on in 45 days or I can short sale. I immediately called Shellpoint and spoke to someone explaining to them that was the first I heard of anything especially a decision. Shellpoint agreed to start the process over, and I started making forbearance payments in XXXX of XXXX from that moment on until the day I sold the house on XX/XX/XXXX, I have made on-time payments. After the modification, the amount had changed, but my credit report was not reflecting the change, so I disputed the amount. After I disputed the amount Shellpoint added to my credit report that I was late XX/XX/XXXX for 150 days which is an absolute lie. I was late with XXXX XXXX but never Shellpoint. I also was going through a modification and should not have been late while going through the process. I have disputed several times and has spoken to them about it. They have damaged my credit with reporting the late payments. I lost the loan on my new house because of what they have done. I'm asking them to please change that although I have sold the house. I have worked hard to get my credit right to do this for my family, and a company that should honest and have integrity would intentionally do that to harm someone chances of having a better future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Someone repeatedly hacked into our pnc checking and savings accounts and drained thousands of dollars. We had alerts turned on and never received any about these Transact! We immediately contacted pnc and spent hours filing disputes all of which pnc summarily DENIED without any questions to us or requests for additional information or any communication at all and then they closed our accounts that we have had for over 10 years with them without any notice whatsoever and refuse to even give us the balances that remained in the accounts. We have offered them proof from XXXX that my husbands phone was hacked and that is how they gained access and they wouldn't even review the extra documents simply stated their investigation was final and that we were out over {$10000.00} ( plus fees and harm to credit AND We are in the middle of buying a house and this has made our loan almost impossible and much more expensive because of their refusal to treat this as fraudulent like it is. A police report was files and sent to them and they werre notified of each transaction within 24 hours of it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Received a 1099 B from Square , Inc. in XXXX XXXX. The 1099 B stated I had received proceeds of {$2400.00} on XX/XX/XXXX. Note said Cash app does not report your XXXX cost basis, gains or losses to the IRS. I have never done business with Square or XXXX and someone has used my social security number to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Bank denied me access to my checking and savings 360 accounts yesterday without reason or explanation. An ATM transaction attempted last night at their branch drive-up was also rejected. The only contact I received was an email yesterday saying that they decided to close all my accounts on XX/XX/2021, and that I should " restrict account activity. '' The following was flagged to both accounts on the app : " Funds are currently not available for withdrawal. '' I contacted the XXXX number listed and advised the management team of the illegality of denying account holders access to their own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I attempted to apply for a XXXX credit card but it was declined immediately. I received the letter and they said it was due to " You had a credit account recently closed by Synchrony Bank ''. They were referring to a XXXX XXXX XXXX card that was closed due to inactivity, because you know, we don't buy sofas and beds every 6 months. They closed it after I paid the balance off and was inactive for about 6 months. 

I have XXXX credit score with very good income and excellent payment history. I called their hotline but no one was able to help me. I asked to speak with an underwriter to discuss this, and I was transferred to " XXXX ''. He began telling me everything I already explained to him, and I said I wanted to discuss with an underwriter. He said they don't have underwriters, everything was system approved. 

I find that very hard to believe, and if true, then it's quite unfair. Like in my case, they're basing my denial off a store card that they closed because I didn't buy some furniture in 6 months. It's not because of bad credit or payment history. I was trying to get a promotional offer but I guess I'll just pay in cash and now have a hard inquiry added for no benefit of mine!

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 2021-04-20 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Received confirmation that money order ( {$800.00} ) was received on XX/XX/XXXX. 

Received notice from the XXXX XXXX of XXXX XXXX that the civil action against me was dismissed on XXXX. 

The credit report still shows the account opened as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
First Reason For Dispute I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. 

Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and it is showing the account as having been paid more than 30 days late in the month of XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof. 

Last Disputed Item : Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full in XXXX, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing in error the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, and it is showing in error the account as having been paid more than 120 days late in XXXX XXXX and XXXX of XXXX, and it is showing in error the account as having been paid more than 60 days late in the month of XX/XX/XXXX. 

and it is showing in error the account as having been paid more than 30 days late in XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof.

Company response to consumer: Closed with explanation