vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 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: FL

Complaint narrative:
I am not allowed to log into my Equifax account. 
I am 100 % sure that I used correct login information, but still I got blocked. 
My guess is somebody else might obtained access to my account and might have changed my real user ID/password. 
Also requests for credit report to Equifax coming back with weird content- such as there was no credit score available. I have had plenty of accounts, loans, cards over the last 20 years etc. and that is simply not logical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: IL

Complaint narrative:
THIS AGENCY IS IN VIOLATION OF 15 U.S.C 1692G. THEY WERE TO NOTIFY ME OF THIS IN WRITING 5 DAY PRIOR, I WAS NOT. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT.

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/2021, a refund amount of {$260.00} from the XXXX of XXXX was declined by the bank because my card was turned off. I keep my card off due to fraud and leaks that have been taking place. I reached out to the bank to let them know this and they made things incredibly difficult. As soon as I saw the charge was declined by them, I called the bank and spoke with a rude representative who basically said I was at fault. I then sent member services a message asking for help and got the same reply. I want my money rightfully returned to me and then I'm closing the account. This bank has a history of making disputes difficult as though these are their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: WI

Complaint narrative:
I entered my information online to a provider, or broker, of mortgages for the purpose of refinance. I never completed the application by selecting a product ( rate, points, etc., and term ) and " submitting '' the application. The provider only offered XXXX refi 's online when I already have a XXXX and want to refi to a XXXX. This is why I never submitted the application for a specific product XXXX loan ). I requested the provider remove all of my information from their system. The provider responded they could not based on 1026.2 Definitions and rules of construction, and stated they are required to keep my information for at least 24 months. 

In the official interpretation of 2 ( a ) ( 3 ) Application, 6 pieces of information are required to be considered an " application '', including the last item # 6, " the mortgage loan amount sought ''. 

I did not provide the mortgage loan amount sought since I was not able to select a product that I was looking for, i.e. XXXX loan. The mortgage loan amount sought can vary significantly based on rate XXXX points, fees, etc. ) and duration. I never selected a product or loan and therefore did not provide the mortgage loan amount sought. The loan amount sought is not my current liability for the property. 

**Please provide the definition of mortgage loan amount sought ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
here was a XXXX video saying free XXXX  if you send it to an certain wallet address : XXXX : XXXX Contribution Address : XXXX Destination tag : XXXX Specification PAYMENT Tx hash : XXXX Date : XXXX XXXX, 2021, XXXX XXXX  XXXX XXXX  : Coinbase ( 10 ) https : //www.coinbase.com/dashboard Destination : XXXX XXXX : XXXX Amount : XXXX XRP ( XXXX XXXX XXXX I sent the XXXX not knowing it was a scam. 


I have the whole transaction and my wallet address if needed and screenshots of the website. 
Which of the following were used in this incident? ( Check all that apply. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit Acceptance has been calling me nonstop over the course of three days. Twelve times totalled, five times in one day about a car payment that at the time of the first five calls wasn't even late. Ive attached pictures of my call history for proof.

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 2021-04-24 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: NJ

Complaint narrative:
Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On Equifax they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On Experian they report : " Times 30/60/90 days late '' XXXX ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.

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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
On XX/XX/2021, I sent Chex Systems a letter asking them to investigate inaccurate accounts reporting on my file. Unfortunately, Chex Systems did not properly investigate the inaccuracies which violates the FCRA section 623 ( a ) ( 1 ) ( C ). In return, Chex Systems verified the accounts without providing proof of verification which violates FCRA 611 ( a ) ( 6 ) ( B ( iii ).

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 2021-04-24 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: NJ

Complaint narrative:
Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX XXXX  .... See attachment!!! 

On Transunion they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX  they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.

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 2021-04-24 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Once again I notice Erroneous and Wrong information on my credit reports regarding the account of Ally Financial Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see XXXX pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact ALLY FINANCIAL is reporting inaccurate and inconsistent information on 3 different credit reports.

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 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX from XXXX located in XXXX North Carolina on XXXX XXXX. The loan was approved by Exeter Finance. Contract was signed, delivery of vehicle taken and down payment of {$1800.00} paid. 

About a week or a week and a half later received a call from XXXX stating that my employment start date of XX/XX/XXXX fell short of Exeter 2 week time frame and Exeter was attempting to not fund the loan. Spoke  with Sales Manager provided information as to documentation provided to Exeter as well as approval from Exeter regarding the documentation. Was advised by XXXX that they would contact me if any further action was required. 

I did not hear from Exeter or XXXX. I contacted Exeter on XX/XX/XXXX attempting to make payment at which time I was told I was not a customer and referred back to dealer. Spoke with dealer and was advised that needed to bring the car back and have it returned to inventory and attempt to repurchase and obtain financing now that 6 months employment criteria was now met without an exception having to be made. 

XXXX has agreed to return the vehicle and exchange it for another that XXXX is offering for sale, however Exeters approval keeps yo yo ing anywhere from {$2000.00} down with 28 % interest XXXX this is agreed upon terms and specified financing option requested XXXX to {$4500.00} down payment requiremented depending on which location ( state ) the car is purchased in. 

XXXX has already titled the vehicle I am in possession of to me with Exeter listed as lienholder. Exeter says I am not a customer. XXXX states Exeter will be repossessing the vehicle. How can they repossess if I am not a customer and have not breached the terms of my contract with them? 

How can they hold a security interest in the vehicle if they are not providing a loan? 

Wouldnt the security interest belong to XXXX as stated in the financing contract they provided stating that they would be transferring the contract to Exeter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2021-04-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent the bank documentation of a item that shows it was delivered but I never recieve. I contact Citibank to dispute the amount of XXXX and the rejected ny dispute

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On or about XX/XX/2021 Convergent Outsourcing, Inc contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to XXXX XXXX XXXX ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from Convergent Outsourcing, Inc with countless document associated with my credit file/report which I never gave them authorization to obtain. Convergent Outsourcing, Inc is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).

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 2021-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
I was informed by the credit bureaus that a collection was placed on my credit report. I had been informed by XXXX  that my identity was stolen on the dark web. .And that accounts were open and paid on monthly basis in my name. Also a car was also purchased and paid in my name. Now this company has placed a collection on my credit for the amount of XXXXThis company has never called me or notified me in any type of way about this account. .I was informed by the credit bureaus that this collection had been placed. I have never had a loan with this company. I never signed any paper work with this company. The company name is NBC MANAGEMENT SERVICES, INC. I would like this company to show my wet ink signature which i no they cant because i never took out a loan with them. This is identity theft. Also an old address was used. I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun on my credit reports. Section 611 ( a ), it is plainly stated that a faiIure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. I demand those items to be deleted immediately as it has been over 30 days or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have sent request about my address being updated to the 3 credit bureaus. XXXX XXXX of 2021, and now atempts for XX/XX/2021. Trans Union and XXXX  seem to be having a hard time adjusting to my concerns and request to update my Address as they keep attaching addresses that have never belong to me or previous addresses where I have no means to get. Mail or my personal information can be envisioned by residencies unknown to me or vital information about me at their disposal.

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 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I received a notice from XX/XX/XXXX that Dovenmuelhe Mortgage inc is holding unclaimed property in the amounts of {$3300.00} and {$100.00} from a mortgage ( from XXXX XXXX XXXX  XXXX that was refinanced in XX/XX/XXXX. I sent the required response documents back on XX/XX/XXXX, and have since made follow up calls on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, but have to date been unable to obtain the return of these funds. 
I was told during several calls that the instructions to send a check were relayed to the appropriate group. On the XXXX call it was confirmed that a check request had been initiated on XXXX and that it could take up to 30 days for a check to be issued. On XXXX this was revised to XXXX business days, and on XXXX I was told that it has not been issued yet and there is no estimated completion date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: TX

Complaint narrative:
To whom it may concern, I am writing to advise that the company LoanMe has stolen thousands and thousands of dollars from me. When I initially applied for the loan, I was never given the interest rate of the actual loan. I was told that I would only pay a fixed amount for two years, and when I called them recently, they said that I need to pay an additional 2 years. 

The loan I borrowed was less than {$3000.00}. If I continue paying for the next 2 years, I would have payed them more than {$20000.00}! How does that make sense??! That is an interest rate more than 100 % that I was never told about! 

LoanMe is stealing money from me monthly, {$290.00} to be exact, and I want out of this evil contract. I have called multiple times, but no answer. In fact, the last time I actually spoke to someone they said that I would need to pay around {$2000.00} to be released from my loan. 

Please assist me with this matter! I want nothing to do with this company EVER AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: MS

Complaint narrative:
The first XXXX  was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by EXPERIAN employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by XXXX XXXX XXXX 
I was not lieing at all. Reduced credit the toXXXX  the employed person by these two companys are not educated they don't understand how to add interest. late XXXX is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
My Identity was stolen a few years back and accounts have popped up from time to time. a XXXX XXXX XXXX  account and a couple of over accounts were opened and eventually defaulted on. GC collection services is refusing to work with me. 

Under 605b, You are required to provide a police report and FTC affidavit which I did.If that information is provided is must be deleted by XXXX and GC services. 

If you submit a copy of a police report to the CRA, the CRA must remove the identity theft info without any need for creditor review or concurrence. A police report is a sworn statement before a law enforcement agency, and thus has potential for action against the consumer for any knowingly false statements, and is the FCRA-approved manner of getting rid of fraud and identity theft accounts from your credit report. The dispute process is not usually the manner to deal with them.

Company response to consumer: Closed with non-monetary relief