vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I got a loan on about XX/XX/2021 in my chime account and they had my acct.open after i received my loan of XXXX for about a week so on the XX/XX/2021 they closed my acct and i have emailed them time after time and after the second day they said i would have something in my mailbox in a week and i went to my mailbox and i hadn't received anything from chime so i emailed them back and they sent me an email saying i will receive something in my mailbox in 2 to 3 business days and i still haven't received any kinda do documentation letting me know why they close my account and the people who deposited to me is wombly they also contact chime because i have been with them for 3 years and chime let them know that they have no problem with them depositing my funds because i was in good stardards with them i have the email frm wombly to prove that they contacted chime before depositing my funds its now XX/XX/2021 and i have yet heard from chime they telling me that they are not gone refund my money and im not understanding why they haven't given me a direct answer and i also have other deposits coming to my card that im not able to get thats not right for them to just take my money and not tell me anything i really need help with resolving this matter i cant contact no one to talk to or anything i have bills that need to paid lije asap and i cant get no help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
I have submitted SEVERAL disputes for this lender to all the bureaus and nothing is being done. I have submitted evidence supporting my claim only for it to not be removed from my report. My. score dropped by 70 points because of this error. XXXX XXXX did NOT send the the correct billing statement for 2 months after I returned my lease. I submitted a dispute about this in XX/XX/2019 and it was removed from my Experian report but not the other 2. I realized that later on and wanted XXXX XXXX to update that information showing NO late payments to the other bureaus as well. What did they do? The added the negative information BACK to my Experian report. What does XXXX have to say about their negligence? AM I supposed to suffer because of their mistake??? what is going on here? WHY is my account noted as 30 days late when I had wear and tear insurance that COULD NOT PAY the claim because of an error on XXXX 's part?? The insurance company could not pay the claim because XXXX put the incorrect amount on the BILL!!! no matter how many times I called and the insurance called they never fixed it until the end of XX/XX/2019!!! I got the bill XX/XX/2019 and the insurance paid it within the hour!! This was already explained and rectified in 2019 so why is it being re-added to my report?? I want an explanation and I want it removed ASAP. THIS IS A CRIMINAL OFFENSE AND I WILL SUE! Enough is enough. DO NOT FINANCE THRU XXXX!!! THEY WILL RUIN YOUR CREDIT EVEN IF YOU PAY EVERY MONTH ONTIME WITH AUTO PAY!!!

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 2021-05-28 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: LEXISNEXIS
State: TN

Complaint narrative:
To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter

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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
{$2100.00} was sent to another zelle account that was mirroring an actual authorized account. Account that monies we're sent to. It's doesn't exist. 

Zelle needs to implement protection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I applied for a refinance with Pentagon Federal Credit Union in late XXXX. Last week I was told my house was an investment property and no longer qualified for the mortgage I had applied for. The loan officer who discussed my application never notified me that the mortgage was for limited use. Second, my home is not an investment property. Third, the it took nearly three months for them to decide on the mortgage. Fourth, I had to switch to another product. They wanted me to reapply and repay the appraisal fee. Fortunately, one person there figured out how to do the re-application without paying the fee. Fourth, the information they told me was the value on the appraisal was wrong. I contacted the appraiser who told me the value he gave was 30 percent higher. Fifth, I asked repeatedly for a copy of the appraisal since I paid for it. It's been over a week. Dodd-Frank requires that they provide me a copy of the appraisal promptly. Indeed, Dodd-Frank requires that they notify me that I have a right to receive my appraisal automatically. The delays, misinformation, and failure to comply with Dodd-Frank require investigation. Also, the repeated requests for information I had already sent.

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 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capital Link Management, LLC
State: TX

Complaint narrative:
Simply put ... .This company calls me after XXXX. Tonight, they called me at XXXX XX/XX/2021!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: LEXISNEXIS
State: MS

Complaint narrative:
To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
If Equifax, XXXX and XXXX continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I created a coinbase account on XX/XX/XXXX and submitted my personal information to get verified on the platform. I then submitted an ACH transfer of {$1000.00} from my checking account XX/XX/XXXX, which was successful and cleared. A few days later when I'm trying to use the coinbase platform, I realized that I could was not able to access my funds, and that my ability to buy, transfer, or withdraw funds have been disabled. 

I submitted a support Case # XXXX on XX/XX/XXXX and was ignored. I then created Case # XXXX on XX/XX/XXXX and was told that I am no longer eligible to be on their platform without giving me a reason ( " We're not able to provide you with any additional information at this time. " ). I was told to withdraw my funds, but they have disabled my ability to withdraw funds since all my payment methods were forcibly removed. They promised to escalate my case on XXXX for an account review and said it would take up to 14 days. I followed up numerous times and it's been 20 days since then and I still have not received a response from them. 

Coinbase took my {$1000.00} deposit, and have simply held it without reason, and is refusing to let me withdraw the funds to my verified bank account. They are essentially holding my money hostage and not responding to any inquiries. This is fraud and the company is taking no action to remediate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a complaint with CFPB on XX/XX/21 ( COMPLAINT ID XXXX ) concerning credit bureau Equifax incorrectly reporting my auto loan with XXXX XXXX as being closed " per consumer request '' twice in XXXX. Since filing the complaint with your company, I received an update on my complaint that the company has responded. When I checked my credit report today, I noticed YET AGAIN that Equifax has reported my account closed again on XX/XX/21 causing my credit score to drop another 16 points! This is the third time they have reported incorrectly ( once after the complaint has already reached them ). This is not fair to me considering I have been trying everything I know how to keep my credit scores over a 700 so that my husband and I can purchase our new home with a VA loan. Please resolve asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
If XXXX, XXXX and transunion continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.

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 2021-05-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I have a loan with Credit Acceptance for an XXXX XXXX  XXXX and the interest rates are extremely high .... By the time I finish paying for the truck I would have paid double, even triple for what the truck is worth ... The car was priced at XXXX Ive had the car for a year and a half and I still owe XXXX on the vehicle.

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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I feel like I was treated unfairly because of my XXXX. I am worried the banker is trying to take advantage of me or steal money from my account. The following actions occurred at XXXX on XX/XX/21 at the XXXX XXXX branch of US Bank in XXXX XXXX OH. 

1. The banker wouldn't cash my check. He sent me to XXXX to cash my check, which cost me {$10.00}. 
2. The banker gave me confusing instructions on how to wire money to an account in XXXX. 
3. During our meeting, the banker called another person and suspiciously spoke in a foreign language. I feel he did so that I couldn't understand his conversation.

4. While talking, the banker accessed my phone from his computer without telling/letting me know. Later in the evening I got an electronic warning about activity on my account.

5. The banker made me feel stupid. He blamed me for trying to do things too quickly or not trying to cash my check earlier. 
6. I called customer service around XXXX XXXX. I got different instructions on how to wire money. I was told I would get a response on Monday ( which is a holiday. ) I am worried about the safety of my money.

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 2021-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have about {$34000.00} in federal student loans with Nel Net and some payments are showing on my credit report as negative accounts. 
I placed my loans on forbearance due to economic hardship and while my loans were on a forbearance status, my student loan company reported my payments as late payments to the credit bureau from about XXXX XXXX XX/XX/XXXX. 
I placed my loans on forbearance in XX/XX/XXXX and I was asked to call back 6 months later to follow up with my account to continue to be eligible to for the forbearance program and to make sure i met the requirements. When I called back in XX/XX/XXXX, I was told by a Nel Net representative my loans were no longer on forbearance since XX/XX/XXXX and my account was showing in their system as past due and my account was in delinquent status. I told the representative it was an error and I did not authorize to terminate my forbearance status, the representative stated it was an error and my loans were going to be placed on forbearance once again. I called back Nelnet in XXXX and XX/XX/XXXX because my account was still showing as negative accounts in my credit report and I was reassured every time by the agent that my matter was going to get resolved because it was an error on behalf of NelNet and to allow some time for the matter to get solved. I called numerous times in XXXX to solve the matter and it was still not resolved. I spoke to a NelNet representative again in XX/XX/XXXX and she stated my loans should have never been taken off forbearance status and she was going to submit a dispute report to clear the negative payments that were showing in my credit report. Once the representative submit my request, the letter stated Ne Net did not commit an error in the reporting the late payments because NelNet stated I was not eligible for the forbearance program because my time on the program expired and I was not informed of the situation. NelNet stated they called me but I was not provided with a voicemail of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER Dropped case against me. 

Discover non-suited ; therefore, case has been dismissed against me. 
please remove from creit report, this is hurting my FICO score. -- please immediately remove. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XXXX and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.

Company response to consumer: Closed with explanation