vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a engine for {$1900.00} from XXXX XXXX XXXX. I never received my purchase so on XX/XX/XXXX I filed a dispute with RELIA CARD US BANK AND THE INFORMED ME IT WAS A 120 day process I called frequently to check the status I even sent them invoices proving my case in XX/XX/XXXX so on one of the calls to cardholder sevices on XXXX XXXX I learn I was granted permanent credit on XX/XX/XXXX but the funds never hit my account so the representative on the call Escalated my first ticket advising me to call back in 24 hours so I called back on XX/XX/XXXX and they said it was no update and the did a second escalation ticket that would take 3-5 days when I called back still no answers on where my funds are and whats going on I also learned I was supposed to receive a letter correspondence saying my issue was resolved and I would get my funds but they keep promising the letter but it has yet to be sent out PLEASE HELP I REALLY CANT BELIEVE THEY HAVE GIVEN ME MISINFORMATION FOR 5 months and still leading me on after I WAS GRANTED THE CREDIT ... THEY KNOW IT NEVER CAME TO MY ACCOUNT THEY REFUSE TO ACTUALLY HELP THEY JUST TRANSFER THE CALL TO A DEAD LINE OR ANOTHER PERSON WITH MISINFORMATION PLEASE HELP 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 monetary relief
Consumer complaint received 2021-03-22 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: SC

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the 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 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit abandoned this claim after collecting payments towards balance in 2019. After 2 years Midland demanded to start collecting payments again. My banking info never changed so I dont know why they stopped collecting automatic payments. They abandoned the debt by being inactive for the length of time they were not taking payments. Midland was not in communication during those 2 years. The amount that I owe is wrong and by abandoning the account Midland should remove i from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Since XXXX  I can't sell on coinbase, I can buy and convert, but can't sell or transfer to wallet. I've emailed/called them about 15 times since then. They emailed me back once saying the problem was fixed, well it's not, and I never talked to a real person. When I go to sell it says my account is restricted. They're costing me tons of money and now I'm looking for legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
never gave Transunion any written consent to report anything on my consumer report. No consent is identity Theft.

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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/2021 I received an email from Chase advising me to call for a periodic review. Upon receipt of the email, I called to see what was needed from me. After going through the verification process, the gentlemen I spoke with advised he was going to ask a few questions to help him review my account. Please see below on some of the questions asked. 

1 ) income 2 ) what are you using ur credit card for 3 ) have a personal loan through another company, what was the personal loan for?

4 ) why was my balance so high?

5 ) where did I get the funds to pay my balance?

6 ) did I take a 401k loan to pay my card off in full?

After answering the questions, the gentleman advise now that I have paid my balance in full they were lowering my line of credit from $ XXXX to $ XXXX. 

Here is the problem, I felt the questions were way to invasive. Personally speaking, why would a credit card company ask if you took a XXXX loan to pay ur balance? Sounds like discrimination to me. Additionally, he never advised me of the possibilities and to be honest this was a deceptive practice or the agent I spoke with was deceptive and unfair in his approach. Quite frankly, down right XXXX. I can totally understand a credit card company making a decision like this if I was not paying on time and didn't pay the balance off in full. 

I did inform the gentlemen that I felt deceived and that he was making an uninformed decision with the little information he had available. I advised him I used my savings to pay my cards and personal loan off that were showing on my credit report and that at the time of my statements cycle it will show as being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been effected by the Covid pandemic causing me to be out of work. I contacted my card company to let them know my issues. I was told that I was able to put my payments on the back end, but I would have to call back every month. This began in XX/XX/XXXX, once around XX/XX/XXXX came I received an alert from the credit bureau that I was 30 late on this card even tho I had been making the call to refresh my card payments. I reached out to my credit card company & was told I was fine because my card was not 30 days past due and I could refresh for the month of XX/XX/XXXX. Now once I have gotten on my feet and can make the payment I am being told Im behind 4 payments, even tho I was supposed to have my card refreshed. Now they will not work with me during this national pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX, my Mortgage Company ( Dovenmuehle Mortgage, Inc / XXXX XXXXXXXX XXXX ) and I entered negotiations for a loan modification due to a family hardship that caused us to become late on our XX/XX/XXXX and XX/XX/XXXX payments. The terms of the agreement were finalized in XX/XX/XXXX and agreed to by both parties and the new terms would have a 3 Month trial period ( XXXX, XXXX and XXXX of XXXX ) we completed the terms as stated in the contract ( attached ). It clearly states on pages 11 and 12 that the agreement that my right to appeal ends on XX/XX/XXXX and we did not choose to appeal therefore per the details of page 12, we should not have any additional late payments beyond XXXX as we made the payments of the agreement early or on time for XXXX, XXXX and XXXX. The trial period was completed and the official modification took effect in XX/XX/XXXX and we made that payment and all future payments on time until we sold our house in XXXX of XXXX. I am submitting supporting documentation showing the payments made and clearing our bank account, the trial period agreement, and the terms and conditions of the modification and need the late payments reflected on my credit report for XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. 

Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. 

Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60 days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. 
As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: PA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my 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 2021-03-22 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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I called Remitly but they are blaming overseas bank ( Ref # XXXX ) XX/XX/2021 I advise customers, please don't use Remitly to transfer money, 1st transaction would be excellent, when you will use it 2nd time, rate will be increased and duration will be extended and you have to wait couple of weeks before your receive the funds. 

even my remittance was not received, I sent money on XX/XX/2021 and today is XX/XX/XXXX XXXX working days still waiting for money to be received, blaming my bank. 

find some other companies to transfer your funds. REMITLEY IS NOT RELIABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2020 my check was stolen for the amount of XXXX and cashed at Navy federal credit union in XXXX VA. It was made out to my Dental office XXXX XXXX XXXX but the check was double endorsed and cashed by someone named XXXX XXXX the money was withdrawn from my account on the XX/XX/XXXX I was made aware my dentist never received the check. I filed incident report with police department and filled out Forgery Affidavits with both my bank and Navy FCU, summited copies of my signature and XXXX  XXXX why havent my money been returned back to my account as yet?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
never gave Equifax any written consent to report anything on my consumer report. No consent is identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NJ

Complaint narrative:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
never gave Experian any written consent to report anything on my consumer report. No consent is identity Theft.

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 2021-03-22 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
This account is incorrectly showing up on credit report as it has already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NC

Complaint narrative:
I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around XXXX XXXX XXXX XXXX ; my calls them failed to correct. Has spread to credit reporting agencies ; initially Experian, now others. 
XXXX leased vehicles to me and another individual who share similar first and surname ( XXXX ... ... .Jr. ) and nearly identical SS #. XXXX has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports. 
The other individual contacted me ( likely got my phone # ) from his XXXX account and advised that he was receiving XXXX mail address to me. I was receiving invoices by mail and my online account contained his name. 
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory. 
What is wrong with these financial institutions and services? Covid is no excuse for incompetence. 
Attached is a copy of my XXXX account page taken 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 2021-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I called Navient customer service on XX/XX/XXXX to verify that I was making a payment in full on my Loan XXXX and I wanted to make sure that Navient did not move the payment in full in the amount of {$1600.00} to the other loan, Loan XXXX which has a much larger balance. I was assured that my payment would be applied as I had entered online on XX/XX/XXXX. On Monday, XX/XX/XXXX, I logged into my account to verify that Loan XXXX was paid in full and LOW AND BEHOLD Navient customer service had lied to me again. The payment assigned to Loan XXXX was moved to Loan XXXX and only the monthly amount was applied to Loan XXXX. Needless to say I was furious and called Navient Customer Service and had to argue with the customer service representative to move the payment back to Loan XXXX and even had to threaten a lawsuit before she fixed the payment. How does Navient keep getting away with these ILLEGAL practices. I also had applied to have my consolidated loans forgiven because I work for the government and have worked for them for 13 years but my loan forgiveness was denied because when Navient consolidated my loan, they consolidate it into a loan that did not quality for loan forgiveness and once again Navient acting ILLEGALLY because I specifically asked for the consolidation that had the potential to be forgiven in the future. I was never given income driven payment option in XXXX when I had lost my job due to an XXXX and almost {$4000.00} in interest was added to my loan. Forgive my loan since I have worked for the XXXX XXXX XXXX for 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: NJ

Complaint narrative:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

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 2021-03-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.

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