vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint narrative:
Experian Report Number ( ERN ) : XXXX Unique Transaction ID : XXXX Report Created : XXXX Dear Sir / Madam, It is observed that some other PAN number is involved in my credit report. result in which my XXXX credit score decreased which is created by Experian 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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: AZ

Complaint narrative:
Account Name : AMERICOLLECT INC Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$150.00} Reason : Identity theft Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I called you exactly on XX/XX/2021, and specifically requested for you to STOP AUTOMATIC DEBIT FROM MY PERSONAL CHECKING ACCOUNT MY MONTHLY MORTGAGE PAYMENT FOR XX/XX/2021. I spoke directly with your customer service number representative. You ( PennyMac ) went ahead and deducted XXXX 's mortgage payment on the XXXX, completely ignoring my customer request. I want the mortgage payment to put back into my checking account immediately along with the over-draft fee of {$32.00} my bank charges my account. This is the second time I have had trouble with you ( PennyMac ). I am reporting your unprofessional and unwanted activities about my account with you to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau as complaints with the way you conduct your business. 
Last month you called me on the XXXX and left a message about my loan payment being late, when it is not late until the XXXX of the month, and now this incident. I do not know why as a holder of my mortgage that you keep bother my account. I believe it is because I am a XXXX woman and a veteran. You advertise as being the best in helping veterans with Home Loan and that is not the truth. I am seeking to find a better mortgage company as soon as possible. I am sick of your harassment of my home loan. I have been a faithful accurate paying customer. I will not accept this type of business conduct from any merchant. I am also notifying the Veterans Administration about your services to VETS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05 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: NC

Complaint narrative:
I am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have continuously complained and disputed various INQUIRIES on my credit report with Equifax. I have written them letters. I have formally filed disputes. All to no avail. I have vehemently denied these inquiries. XXXX has removed them from my credit file. Equifax does nothing I have worked diligently on my credit this last year, so I find it totally unfair to be penalized for negative information on my credit file that does not belong to me or was not authorized by me. The following is the list of Unauthorized Inquiries on my Equifax Report. 1 ). XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XX/XX/XXXX, 3 ) .XXXX XXXX XX/XX/XXXX, 4 ) .XXXX XXXX XXXX XX/XX/XXXX , 5 ). XXXX XXXX XX/XX/XXXX, 6 ) .XXXX XXXX XXXX XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX I state under penalty of perjury that I did not authorize or request these inquiries. I would request that Equifax do their diligence and find out who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, which I have been explaining to Equifax but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to dispute the following information in my file-Cap One NA, DATE OF INQUIRY XX/XX/2021, I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
My complaint against COINBASE crypto currency exchange : I did 5 selling orders but it stuck in their system the transaction didn't go through ( frozen ) it started on XX/XX/2021 I submitted support ticket # XXXX and sent official complaint to the company I didn't get any help but empty promises. More than tow months of waiting I lost many opportunity to trade and benefit from market movement. In this new space the company promote itself as ( fair, transparent, efficient and trusted platform ) and that what bring me to them but they neither held themselves to that standard by building functional platform nor they put in efforts to meet their obligations towards investors - that put their trust in them -by hiring enough support staff to meet the demands. 

My selling orders : 1- XX/XX/2021 XXXX XXXX 2- XX/XX/2021 XXXX XXXX 3- XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
To Whom It May Concern : Attached is a copy of an email I sent to COINBASE on XX/XX/XXXX. 

As per the email, I have tried numerous times to access my account which has approximately $ XXXX. As of today, I have still not been able to access my account nor have I received any answer from them other than the automated email they send out! 

I contacted the U.S. Securities and Exchange Commission, hoping they could help me. 
They suggested that I contact your agency. 

As you can imagine, I am deeply troubled and frustrated not being able to access my money! 

Any help you can provide would be greatly appreciated. 

Looking forward to hearing from you, XXXX XXXX XXXX This is what i sent to Coinbase also : To Whom It May Concern : I had an account with COINBASE for a few years. Unfortunately in XXXX, XXXX my phone was lost and with it, all my information, therefore my two step verification doesnt work and I am not getting any text messages. Since that time for the past FOUR MONTHS! I have been trying to recover my account with COINBASE without any success! 

I have followed ALL the instructions numerous times to no avail! 

My last transaction before losing my phone, was on XX/XX/2020 reference # XXXX in the amount of {$9800.00}. Since then I have not been able to do any transactions! I have monies tied up in my account with no way to access it. 

On XX/XX/XXXX, I got as far as your verification page! I submitted my drivers license and selfie picture. On XX/XX/XXXX, I received an email stating that my account recovery was unsuccessful! On XX/XX/XXXX, I responded to your email - the case is # XXXX. Although your email states it takes 4-5 business days to respond, it is now 7 days and I still have not heard anything!

I would like to reiterate, that I have over the last four months tried numerous times and have responded each time to the instructions, yet I have still not been able to access my account. 

I am quite anxious about this as you can imagine and will appreciate hearing from COINBASE and resolving this issue. 

Thank you for your prompt attention and assistance, XXXX XXXX XXXX Cell Phone XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF HAWAII CORPORATION
State: MP

Complaint narrative:
I have a checking account with Bank of Hawaii  in XXXX. Currently the checking account is a $ XXXX/month " XXXX  XXXX XXXX XXXX '' account, their highest-level account. 

On XX/XX/XXXX, I sent Bank of Hawaii an online message asking to change the account to " Convenience Checking, '' their free checking account type. They answered and told me to send them a signed and dated hardcopy letter. I sent the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from Bank of Hawaii, telling me that the only way to change the account type is to visit the branch in person. They said they can not change account types without an in-person visit to the branch. 

There is only one Bank of Hawaii branch in XXXX, the hours are very limited, and the waiting area is the outdoor parking lot. The last time I tried standing in that line, I gave up and went home after one hour standing in the hot sun. 

It seems unreasonable that I can't make a simple change to my account by phone, internet, or mailing a letter. Every other bank I've ever dealt with would make this a simple process. 

I just want my account changed to " Convenience Checking '' without needing to stand in an hours-long line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05 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: DE

Complaint narrative:
Re : XXXX XXXX XXXX & XXXX XXXX XXXX Dear Sir or Madame : Your company recently investigated and supposedly verified the above referenced account. I have contacted this company recently via registered mail requesting " Validation ''. I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for your consideration. The FCRA maintains that the reporter of the account validates the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the accounts in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information can not provide any information linking me to said account. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX That being said, you have three options : -Delete the accounts based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note : A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. 

Sincerely, 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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Re : XXXX XXXX XXXX & XXXX XXXX XXXX Dear Sir or Madame : Your company recently investigated and supposedly verified the above referenced account. I have contacted this company recently via registered mail requesting " Validation ''. I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for your consideration. The FCRA maintains that the reporter of the account validates the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the accounts in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information can not provide any information linking me to said account. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX That being said, you have three options : -Delete the accounts based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note : A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Early XXXX - I began searching for a lender early XXXX through XXXX and on my own. 
XXXX XXXX - Contacted by unknown LoanDepot representative on XXXX XX/XX/XXXX XXXX - Contacted by loan officer at LoanDepot on XXXX XXXX for " special rates '' XXXX XXXX - Submitted soft credit application on XXXX XXXX to obtain credit worthiness and rates XXXX XXXX - I provided a home value estimate according to XXXX, $ XXXX, loan officer put $ XXXX XXXX XXXX - Directed to sign welcome documents XXXX XXXX - I was not provided an option for Rate lock and was directed to sign Loan Float as only option. 
XXXX XXXX - Provided requested financial statements XXXX XX/XX/XXXX XXXX - Provided notice that my wife 's name was mispelled on the original title to prevent complications and notify to work issues. 
XXXX XXXX - Received conditional loan approval XXXX XXXX - Received notice to confirm vesting name/statement XXXX XXXX - Notified Processor of name error and provided correct name/statement XXXX XXXX - Received 1st closing disclosure documents with incorrect name ; initial {$25.00} XXXX - Received 2nd closing disclosure documents with incorrect name ; revised {$25.00} XXXX - Notified LoanDepot that the name was still incorrect and that disclosures for my wife were coming to me instead of her. 
XXXX XXXX - Received 3rd closing disclosure documents with correct name, revised {$29.00} XXXX - Notified LoanDepot I would be geographically separated from my wife, so I would need to schedule signing before XX/XX/XXXX XXXX XXXX - Received 4th closing disclosures ; $ again revised XXXX XXXX - Received 5th closing disclosures ; $ again revised XXXX minutes apart ) XXXX XXXX - Notified via voicemail of the option to sign with notary XX/XX/XXXX or XX/XX/XXXX XXXX XXXX - Contacted loan processor to schedule notary on XX/XX/XXXX ; loan processor said I could not schedule for XX/XX/XXXX because closing disclosures were not signed. 
XXXX XXXX - Notary arrived at home for wife to sign ; notary unable to explain details of Closing USA docs, wife signed title docs, notary left XXXX XXXX - Notary arrived at separate location for husband to sign ; documents did not match ; notary unable to answer on behalf of Closing USA ; documents unsigned ; notary left

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: FL

Complaint narrative:
Transunion is in violation of 15 U.S Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates They are also in violation of 15 usc 1681a under the Exclusion section ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; the definition of credit card according to 15 U.S. Code 1602 under section ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2021-07-05 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: TX

Complaint narrative:
To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian ; I made a formal complaint with Experian, XXXX XXXX XXXX, and XXXX and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. 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 2021-07-05 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation