vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have XXXX XXXX to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TN

Complaint narrative:
Ive been a victim of 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 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
I disabled my Binance US account, and I submitted a ticket to reactivate it. Their customer service is very unhelpful. No one contacted me in almost 3 weeks, I sent follow up emails to customer service still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Ive a dispute letter to XXXX and XXXX on XX/XX/XXXX and followed up with a second letter that was sent on XX/XX/XXXX. I have not a response nor receive a response by mail. The late payment for Best Buy, XXXX and XXXX XXXX needs to be removed immediately since its been 30 days and also reporting different date for late payment.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive sent a dispute to XXXX and transunion on XX/XX/2021 and followed up with a second letter that was sent on XX/XX/2021. I have not got response nor receive a response by mail. The late payment for XXXX XXXX, XXXX, and XXXX XXXXXXXX needs to be removed immediately since its been 30 days and also reporting different dates for late payment.

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 2021-07-02 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: SC

Complaint narrative:
Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXXXXXX 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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive sent a dispute to experian and XXXX on XX/XX/2021 and followed up with a second letter that was sent on XX/XX/2021. I have not got response nor receive a response by mail. The late payment for XXXX XXXX, XXXX, and XXXX XXXXXXXX needs to be removed immediately since its been 30 days and also reporting different dates for late payment.

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 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Unseen on my credit report that there was an overdue bill for XXXX XXXX and it is a medical bill that was already paid by insurance I don't have to pay the bill again because it got sent to a collector Insurance already told me that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My buyout for my lease is {$48000.00} and Ally bank is charging the dealership {$53000.00} to get out of the lease and into a new vehicle which is more than the balance of my contract. How is this legal?

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 2021-07-02 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: NV

Complaint narrative:
I am writing this due to non-compliance with the CRA and They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law I have disputed more than 3 months in a row they are sending me stall letters and computer generated results.

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 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
I booked a room and when I entered the room it was disgusting! Rips in the couch, brown sheets that were once white, electric wires hanging from the wall, cabinets zip tied shut. When we tried to get out money back for the room the property manger went crazy and was verbally abusive. They refused a refund and charged our card again the next fraudulently. Discover would not dispute the charges and failed to protect us as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing this due to non-compliance with the CRA AND Department of Education They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have contacted XXXX XXXXXXXX XXXX since XXXX asking for proof of validity of a debt. They have not provided any proof that debt belongs to me and will not respond to any letters that I have sent. I have contact all three credit bureaus and the creditors themselves. 

The account also looks like it has been re-aged because I did not open anything with XXXX XXXX in the month of XX/XX/2021. 

The amount reporting on my credit report is {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX  ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Trident Asset Management, L.L.C.
State: NV

Complaint narrative:
i have disputed with each credit agency, the company XXXX is reporting 3x, 2 times negatively once under the name of TRIDENT ASSET MANANGEMENT ( {$940.00} ), another time under XXXX XXXX ( {$940.00} ) and then it shows open with XXXX XXXX with exceptional payment history and with the balance of {$230.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Dispute for fees charged to my credit card for a dog training service that was not provided by merchant. Several employees fired or quit to avoid paying back the charge. Attempted to contacted owner and trainer for company with negative success. Chase resolved dispute and did not credit back the amount for the scamed fees. On XX/XX/20 and XX/XX/20. 2 charges made by XXXX XXXX XXXX in the amount of XXXX each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: U.S. BANCORP
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2021-07-02 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I suddenly started receiving denial error messages trying to use my Venmo account. After an online chat and numerous phones calls, I was told for some " mysterious reason '' my account was flagged by their security algorithm and there was no way to find out why, nor could they override it. My credit cards associated with my account have {$0.00} balance and both have credit limits over $ XXXX. I have a FICO of XXXX, never been arrested or indicted. I believe they owe me an explanation of why I was flagged and any errors be corrected in their system. 
The case # for this incident is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: UT

Complaint narrative:
I rented a car from the rental company XXXX on the XXXX of XX/XX/XXXX till the XXXX of XXXX of XXXX. I have only 1 signed and authorized charge and agreement. I returned the car on the XXXX day of XXXX. I was charged by XXXX Over {$1600.00} and when I addressed the over charge as my week agreement I signed for was only {$810.00}. XXXX saw the mistake and quickly fixed it. A month later during the time I was in a rental car from XXXX I was charged by XXXX {$2700.00} and told that i have 6 open agreements. This was clearly very wrong. I Disputed the charge with my bank KEY BANK and the funds were credited to my account. 3 months later my bank deducts {$2700.00} from my account whilst I am on vacation with my family cleaning out my account leaving me and my children stranded over XXXX miles from home. They claimed XXXX sent a receipt that I had a vehicle for much longer than a week. There is no authorization from me for the charges No additional contracts or agreements signed by me. According to XXXX policy the agreement must always be signed by customer and be current. I only signed one contract for {$810.00} because that is all i had ever rented from them, My bank is refusing to return my funds and closed the case. They left my account in the negative {$1900.00} and will not accept my documentation as proof of my standing in the situation. I have lost my job because I was unable to return home in time to return to work. I almost lost my home and I am now 30 days late on my car payment and credit card bills. this is affecting my credit score, my reputation, my bills such as rent, utilities and auto. Please help me!! I have done nothing wrong. I have been billed a total of over {$4000.00} for a 1 week rental car and my entire life is crumbling because of it. My bank will not help me and i am about to end up homeless over this. I lost my job and i have children i cant lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Loan # XXXX Specialized Loan Servicing, LLC ( XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their negligence, intentional deceit and unfair business practices. 

This is our SIX Complaint against Specialized Loan Services, LLC for their belligerent and persistent violations of our privacy, negligence, ongoing campaign of unfair Business Practices, predatory practices, negligence, and fraudulent intents. 

In addition to Violation of " Fair Debt Collections Practices Act '' supplemented with evidence ( attached ), via the following : 1. Failed and continued to fail in issuing and providing Monthly Statement of Account for our Mortgage Loan.

2. Failed and continued to fail in crediting the Monthly Payments to the CORRECT month ; Posted clearly on the Cashed Checks, Listed Clearly on the Monthly Coupon provided by them and even after multiple written and verbal communications via mail, and phone calls, including Multiple Complaints to the FTC!

3. We received a letter from SLS today ( XX/XX/2021 ) referencing the WRONG payoff amount, the WRONG due date for next payment ( monthly payments made AHEAD OF TIME till XX/XX/2021 ). 

4. >>>>>Check # XXXX cashed on XX/XX/XXXX as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment of the month of XX/XX/2021. Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. ( Copies attached ) <<<<<< @ @ @ @ This ACCOUNT Monthly payments are PAID IN FULL, PAID IN ADVANCE AND CLEARLY INDICATED IN EACH AND EVERY CHECK ON THE TOP PART @ @ @ @ 5. Erroneous and unauthorized fees was levied to the account for Statement Fees {

$25.00}!! 6. Erroneous and unauthorized fees was levie
d to the account for Release Preparation fee
s {$20.00}!!

7. Finally LATE FEES for {$90.00}, in total a belligerent violation of our Contractual Agreement ( Mortgage Note ) which clearly states ( ZERO FEES ) can be charge at any time even when / if late. ( Cop of Mortgage Note attached ).

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 2021-07-02 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: NJ

Complaint narrative:
In XX/XX/XXXX, Equifax began reporting accounts on my consumer report without my written consent. For over 6 months I have been submitting my request for the accounts below to be removed from my report but Equifax continues to ignore my request : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX ( in which collection Bureau XXXX XXXX sent a request on XX/XX/XXXX to have this account removed from my report but Equifax continues to say the company certified its accuracy ), Diversified Adjustments, XXXX, & XXXX which was just recently inserted back into my report after it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX XXXX EST, I executed a trade of XXXX XXXX  ( XXXX ) tokens using the Coinbase App. At this time the spot price on Coinbase was XXXX USD. As communicated through the Coinbase App, when I agreed to sell my tokens, my portfolio was valued at XXXX, XXXX XXXX. As the transaction was completed moments later, my portfolio, then in USD, was valued at XXXX USD - an evaporation of XXXX, XXX USD having been given XXXX USD per token, while XXXX was still trading north of XXXX higher. I fully understand slippage is to be expected while trading cryptocurrencies, especially on Coinbase, however a delta of north of 20 % is not slippage but an error ( at best ) and one that hopefully is corrected swiftly. I've attached screenshots of the transaction as well as a video illustrating the sudden, instant, drop in my portfolio value. Please see the attached for reference : Image # 1 & # 2 XXXX XXXX XXXX Coinbase Spot Price on two different views showing that at XXXX XXXX  EST, 1 minute after my transaction was executed, the spot price was still XXXX - XXXX USD. Image # 3 & # 4 : My personal Portfolio balance at XXXX XXXX EST on XX/XX/2021 and my personal portfolio balance at XXXX XXXX  EST on XX/XX/2021 after I had sold my XXXX Image # 5 : This video illustrates the above ( similar to Images # 3 & # 4 ) and clearly shows the evaporation for XXXX USD in portfolio balance. 

As for the price getting locked in when I agree to sell, that is my issue. The price which I agreed to sell at was not the price that my XXXX sold at, despite it getting 'locked in '. 

I've recently tried to handle this through CFPB. Coinbase as a response and to seemily try to get me to go away, provided {$200.00} XXXX in the form of Bitcoin for my troubles. Not only is this action arbitrary, it's ridiculous, especially when I had a significant of money stolen from me and their response did not address the information that I laid out in any way. Rather, they repeated themselves and their regurgitated boilerplate responses.

Company response to consumer: Closed with explanation