vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2021, i sent XXXX, equifax, and XXXX  letters requesting the validity of the inaccurate items they are reporting on my credit report and the inaccurate personal information that they will not update that may lead to identity theft.i sent it off certified mail and the number is XXXX  # XXXX EQUIFAX # XXXX XXXX  # XXXX this is stressing me out and keeping me from getting a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
I've attempted to remove late payments in good faith, and company has not complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I believe Coinbase is trying to defraud me and steal my digital assets. I have given them opportunity to correct this issue for about 4 months and they have failed to do so.

Re : Case # XXXX - Re : DO NOT CLOSE Ticket # XXXX It has Not Been resolved! - Buy/Sell Account and Send/Receive Disabled for more than 2 months with Zero Support from CB - Just ROBO auto responders XX/XX/2021, Ticket # XXXX was opened with Coinbase for Complaint of locking me out of features on my account. My assets amounted to about $ XXXX. Since then Coinbase disabled features on my account Buy/Sell as well as Send/Receive.Coinbase gave no viable reasons. I have repeatedly created tickets and got no help from Coinbase just the same Robo message that someone will contact me in 5 business days but its a lie!!!! 
On XX/XX/XXXX, they closed out ticket # XXXX and claimed they had resolved problem which was a lie I checked my account and the problem was not resolved. I reopened Ticket # XXXX and reiterated that they hadnt resolved my problem and to keep the previous ticket # XXXX opened. 
On the subject date of XX/XX/2021, I had added a new card payment ; my bank completed a purchase transaction into Coinbase account and Coinbase debited my account for the purchase - I have attachments to prove this. I then further investigated with my bank on XX/XX/XXXX and they confirmed that my bank 's customers have been experiencing a lot of payment issues with the Coinbase platformCoinbase isnt synching their security payment confirmation system with the banks. That is no fault of mine as a CB platform user! CB gave no reason why they are removing me off its platform, CB has prevented me access to my assets and from utilizing my assets to capitalize on investment opportunities for more than 4 months! CB has caused me emotional and financial stress. I can't transfer my assets or even withdraw to my bank ; CB enabled only Coinbase Vault account to force me to deposit into their custody account. 
Then funny enough and miraculously on XX/XX/XXXX they advised me to update my card that was expiring ; I did and their system won't confirm the 2 deposits they sent into my account!!! It just said Card verify failed. My identity has been verified multiple times and Okd by Coinbase. On XX/XX/XXXX, Coinbase sends me My account has been verified and I can now invest BUT it's still the same thing, My Buy.Sell as well as Send.Receive buttons are still disabled. COINBASE PLEASE ENABLE MY FEATURES SO I CAN ACCESS MY FUNDS!!!!!! I NEED TO GET THIS PROBLEM RESOLVED AND PROPERLY COMPENSATED FOR LOSS OF INCOME OPPORTUNITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
ConServe Accounts Receivable Management is reporting an account to consumer reporting agencies and in doing so they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and XXXX records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at Bank of America on XXXX XXXX, and also raised individual dispute cases with XXXX XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a BoFA problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.

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 2021-06-14 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: MA

Complaint narrative:
XXXX XXXX XXXXXXXX made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and Equifax records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX  for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXXXXXX on XXXX XXXX, and also raised individual dispute cases with Equifax, XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Macy 's Amex credit card on XX/XX/XXXX. I received the card 1-2 weeks later in my mailbox. 

Since the name on the card was not correct ( my first name and last name switched ), I requested a replacement. However, I did not receive this new replacement card. Instead, I was notified by Macy 's in the beginning of XXXX that there seems to be fraudulent activity on my card. I contacted Macy 's immediately and asked them to stop further fraudulent activity. 

Apparently, someone stole the shipped card and used it for purchasing and getting cash while the new card " was not activated ''. Here is the list of these fraudulent activities : ( 1 ) {$200.00} on XX/XX/XXXX ( cash advance ) ( 2 ) XXXX on XX/XX/XXXX ( 3 ) XXXX on XX/XX/XXXX Also, I was charged with cash advance fees ( 4- {$8.00} ) and interest fees on cash advances ( 5- {$2.00} ). 

Although Macy 's claimed that they will remove these charges from my account and investigate the issue within 2 billing cycles, they did not. They only removed charge ( 3 ). All of the remaining charges stayed on my balance and I had to pay them off to prevent interest charges on my account. 

I have contacted Macy 's customer service multiple times in the last 2-3 months. Each time the representatives assured me that the issue will be resolved shortly or even " expedited ''. Today ( XX/XX/XXXX ), I called Macy 's customer service again and learned that they did not even know about charges ( 1 ) and ( 2 ) being fraudulent. The representative claimed that they will start looking into those charges now. 

I think Macy 's and Amex need to look into two problems : ( A ) A credit card that was not activated was used for fraudulent activity and purchasing ( B ) No one at these companies seems to care about removing these charges from my account I appreciate your help in resolving these issues. Thanks! 

( Attachement : Credit card statement containing the charges )

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, for the past 4 months my Equifax credit file has been unavailable. I can no longer look at my credit report, nor can I see my history. I am not able to remove or manage a freeze. I have sent my social security card and driver 's license twice to Equifax. I sent it certified mail this last time and they received it XX/XX/2021. On XX/XX/2021 and XX/XX/2021. I was on the phone with Equifax for over an hour each time trying to get this issue resolved. The first associate on XX/XX/XXXX lied and said the issue had been resolved, but couldn't provide a confirmation number. I called back XX/XX/XXXX and the representative had me on the phone for over an hour and told me the issue had been resolved as well. Still no confirmation number. I called XX/XX/2021 and I was told I can ' t speak to a representative in the United States and Equifax system was down at the moment and to call back in two hours. I am not able to apply for anything, it seems that I don't exist in the Equifax world and this is truly a hindrance to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: FL

Complaint narrative:
On XX/XX/2021 I send XXXX, Equifax, XXXX XXXX and XXXX  a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX  in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, Equifax and XXXX  in violation with FCRA they never answer. 

I went back to XXXX, Equifax and XXXX  on XX/XX/2021 sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX and I, entered into an auto loan with Santander Consumer USA. Neither of us had good credit, or stable income. The amount financed by Santander Consumer USA was {$37000.00}. The annual interest rate was set at XXXX XXXX. 

At present we have been paying on this auto loan for 41+ months, with the principal being reduced by just {$6900.00}. The outstanding balance after 41 months of payments is {$30000.00}. 

Santander Consumer USA was recently the defendant of a multi-state class action suit. Santander Consumer USA profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. Santander Consumer USA was ordered to pay {$65.00} million in restitution to be divided amongst the 33 states and the District of Columbia. 

We strongly believe that our account with Santander Consumer USA is eligible for debt cancellation under the class action settlement that was announced on XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank cancelled the Extended Warranty and Collision Damage Waivers in XX/XX/2020, but never notified us. The only reason I found out about the cancellation, it that I called about another item, and happened to ask if they were still in effect.

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 2021-06-14 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: VA

Complaint narrative:
I have been trying to clear up these inaccurate accounts on my credit profile for some time now. and its becoming a burden on me and my life. I dont understand how my identity can be compromised and I have to live with it, even after trying to clear the matter up, by writing letters and and coming on here to make a complaint and still no results, I demand some answer. As a consumer its my right under the FCRA that I get these answer Since XX/XX/2021 I have been reaching out and this is my last attempt, or I will be seeking legal aid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$0.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The accounts and inquiries on my Equifax Credit Report are incorrect, and fraudulent. All accounts and inquiries mentioned on my credit report are outdated as well. These derogatory accounts and inquiries are not only incorrect and fraudulent but they are affecting my ability to extend credit and to build credit. They are also in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have XXXX XXXX  accounts, XXXX was with XXXX XXXX  the other was with XXXX  ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX sent in a request to transunion to remove all tradelines on my XXXX account..in XXXX of XXXX XXXX  XXXX sent in a request to transunion to remove all tradelines with XXXX XXXX ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a transunion representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.

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 2021-06-14 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: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
On XX/XX/2021 I was solicited by a lender on XXXX. They asked for my credit history and income and asked me to complete their application sent to my email. I started to complete the mortgage application and never submitted it back to the company, I never completed or signed the document I quit halfway. Unfortunately, I quit completing the application after I checked a box that said they could run my credit. But like I said I never finished the application nor did I ever sign or submit the application to them for processing. They took the application and ran with it and ran a hard credit inquiry on me without my permission on XX/XX/2021. When I found out about this I was furious and told XXXX XXXX they had no right to run my credit. He was rude and never apologized nor did I ever receive a copy of the this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There are accounts that dont belong to me on my report.

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

3. Identity Theft SANTANDER BK Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

5. Identity Theft XXXX  Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine. 7. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: LA

Complaint narrative:
Its the constant calling everyday for 3 months back to back. Attacking me for something I dont have control over at this point. Ive lost people, jobs and it all due to COVID. These people are very difficult to deal with. I really would appreciate it if it stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 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: GA

Complaint narrative:
XXXX XXXX  keep reporting erroneous information to XXXX and Transunion. I have disputed the error multiple times. XXXX  and Transunion is reporting the info as accurate, although, the account is included in the primary borrowers Chapter XXXX bankruptcy.

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