vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX  XXXX XXXX ( Org. Creditor XXXX XXXX  ) XXXX Both Equifax and XXXX  XXXX XXXX were informed that these medical bills were a result of a XXXX XXXX workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

XXXX  & XXXX deleted it from my credit report but Equifax has failed respond to any of my complaints, continues to ignores me and report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Tried to contact TRANSWORLD SYS INC/XXXX company multiple times, last date of attempt XX/XX/2021 XXXX, all 3 times they hang up or ended the call when they were informed that they needed to provide the appropriate information of the owner of such depth ... they couldn't locate with account # or even Name of the supposed owner of account.. they insisted on a SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: SC

Complaint narrative:
I got a loan for the amount of {$2000.00} XX/XX/XXXX. I was in need of cash because I had just XXXX XXXX XXXX. Covid hit my job pretty bad. Every time we got a case we were sent home without pay. This has caused me to call and discuss the issues with RISE CREDIT.COM  and see what options that I had. They informed me that the payment could be deferred but they would keep accruing intrest. I have been making payments of XXXX every two weeks now because the loan is now XXXX way more the orgainal amount of the loan. I was affected by covid really bad and this company would not assist. I now have a loan that is impossible to pay of because of the interest. I reached out to them to ask them if some of the intrest could be waived so that I am able to afford to pay it back. They would not work with me and only told me the payments would get higher. I am crying right now because Covid was out of my hands and I tried reaching out to them and nothing was working. I just want them to excuse some of the intrest because if that wasn't so high I would have paid this loan off. I have already paid the XXXX off plus some but the loan amount is not going down. I reach out to them and plead my case but they will not assist and state that covid is not their problem either. Even when I didn't have the cash I tried to make payments and whe my job closed I called them and they just added more on. I even tried to refinance the loan so that it can be made more affordable and they still would not help. Please assit with anything that you can do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was charged interested on a balance that they setup for me a day after my new billing cycle. They refused to waive the fee. I talked to the manager XXXX and XXXX said she was the only person that I could talk to and that's it high up in management and she's the only person that can fix it but at the end of the day she said she's not waiving the fees because it was the payment arrangement was set for the day after so I have to pay the interest on it and she couldn't she refused to waive the the answers that was charged on the balance that was already sets to be paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Dear CFPB, My Name : XXXX XXXX XXXX I'm From : XXXX XXXX My email account Coinbase : XXXX My balance : XXXX ETH My account temporarily disabled since XX/XX/XXXX. I have been waiting for more than 2 year. 

I have been submitting support for the past 2 year but still have not received a response from Coinase. 

I trust coinbase wallet service and all my assets were deposited into the Coinbase wallet however it was locked even though I have shown many evidences that I have not violated your policies. Since I only used wallet storage eth. 

The year XXXX has been a year of the Covid pandemic and my account still be locked, it is making me stand on the brink of being unable to pay for the living expenses and care for my family. 

I hope the support team will help me out of it soon so that I can take care of my family. 

Please help me send my balance to the external wallet address. 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX inquiry XX/XX/2020 SAFCO inquiry XX/XX/2020 XXXX XXXX XXXX inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
For the second time in two years, the servicing company, CIT Bank, has tried to force me to buy insurance on my home despite the fact that I have insurance in place. This year, the sent me a notice that was dated XX/XX/XXXX that stated my fire insurance policy had expired in XX/XX/XXXX. The letter stated that I had ten days to put in place a replacement or renewed policy or they would put their own policy in place at my expense. They chose not the mail the letter until XX/XX/XXXX ( I have the envelope showing the postmark date ), which is more than 10 days after the date of the letter and after the 10 day timeline they stated in their letter. I tried to call them to discuss but every phone number they provide is set up to only provide recorded messages. I can find no telephone number for this bank that will allow you to speak to a real person. The other problem with this situation is that my insurance policy runs from XX/XX/XXXX to XX/XX/XXXX. I do not have a policy that expires in XX/XX/XXXX. I submitted to their online portal my current policy, but they sent a response saying my submission was inaccurate or insufficient. The provided a number to call but again, that number only provides voice prompts and gives the caller no way to talk to a real person. Therefore, I have no idea why they deemed my submission of my accurate insurance policy as inaccurate or insufficient. How am I supposed to get this resolved if they refuse to allow me to talk to anyone in their organization?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
XX/XX/2021 I have created a ticketed over a month ago on a ETH transfer from Binance ( their parent company ) to BinancueUS. Upon scanning the QR Code via mobile for the ETH transfer it coded the memo section wrong on 2 separate transactions. This lead to the crytpo transfer to stay in limbo. Upon their support page on BinanceUS it states that for a fee it will be resolved, however its been over a month with zero resolution or contact back from initial support ticket. The two claims are over XXXX in total I need assistance and have not got back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Securus J Holdings, LLC
State: GA

Complaint narrative:
starting XXXX of XXXX i have attempted to get my transaction history for missing monies. Weekly contact by email to customer service and phone contact and I get no return calls or any correspondence. i have an account i pay through beginning XXXX but unknown reasons half of my account is dormant and no one has the ability to produce the information other than the corporate office. i have not received one return call or email and i am approaching a deadline resulting in legal issues if this is not resolved, i have no more time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: TN

Complaint narrative:
Avante bought this from a debt buyer after this was deleted from my account by another collection agency. They didn't provide a hipaa transcript and this was a hipaa violation and they deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate 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 2021-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Global Lending Services LLC
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XX/XX/2020 XXXX  XXXX XXXX inquiry XX/XX/2020 GLOBAL LENDING SERVI inquiries XX/XX/2020 and XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XXXX XXXX, 2020 REGIONAL ACCEPTANCE CORP inquiry XXXX XXXX, 2020 XXXX XXXX XXXX inquiries XXXX. XXXX, 2020 and XXXX XXXX, 2020

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 2021-04-05 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CONSUMER PORTFOLIO XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance XXXX XXXX there was no action taken by me the company attempted to collect a debit it is now 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 2021-04-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 WELLS FARGO DEALER XXXX XXXX. XXXX, 2020

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