vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: TX

Complaint narrative:
I couldn't respond to a previous claim number-XXXX Experian said they don't have the accounts on my credit reporting but it is clearly showing and if it is not showing then why it it showing on my credit report. i will list the account below again. This has been past the four days that the law states for deletion in I demand that it gets deleted from my credit profile. XXXX XXXX from Experian in the fraud department has not returned my phone call. 

XXXX XXXX XXXX {$830.00} Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the XXXX data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well. I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt. I demand these items be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2021-06-29 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: IN

Complaint narrative:
On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have never open up this account at all and I request verification and all i get it a bill statement that not verification that the account is my because if the account was open by someone else there will still be a bill statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
NAVY FEDERAL ALLOWED VETERANS TO BE TARGETED BY MERCHANT SCAMS BY NOT COLLECTING REFUNDS FROM DEFECTIVE PRODUCTS AND TARGETED HARASSMENT ACCOUNTS. NAVY FEDERAL IS SHIELDING OR HIDING REPORTS OF SCAMS BY THIRD PARTY APPLICATIONS AND ARE NOT THOROUGHLY INVESTIGATING THE ACCOUNTS. NAVY FEDERAL CREDIT UNION, SITS STAGNANT ON REPORTS UNTIL THE PRESUMPTIVE DATE OF COMPLETION, FRAUDULENTLY STATES THEY ARE INVESTIGATING AND ONCE THE TERM ENDS, REPORTS THEY ARE UNSUCCESSFUL IN COLLECTION OF FUNDS. FALSE REPRESENTATION BY DISPUTE REPORTS AND SCAMS NOT NEING TAKEN SERIOUSLY, LED TO COMPROMISED ACCOUNTS. EXAMPLE : XXXX HOST ISSUES INVOLVING CANCELLATION BEFORE CUTOFF BUT TRYING TO COLLECT ON FUNDS NOT DUE OR OWED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc.

Complaint narrative:
I wanted to operate in my account of Coinbase, but I can't, from months ago, I have my account restricted without a reason. I tried to contact with Coinbase, but they never reply, and I've been surfing on the Internet and I find out that a lot of people have the same problem that I have. I wish they could return my account and start operating in my Coinbase account because I really like the page, but the attention client is really bad and that scares me because I want to feel secure in every page. 

Thanks for your attention!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Working with Wells Fargo ( WF ) to close on a property, they informed me that I had an open application with another lender for pre-approval that they needed documentation validating I canceled it. They also let me know that I had a loan request out on my current residence that my parents rent that they need additional documentation on. I informed them that this was incorrect and that I do not have an application open with another lender, nor did I have a loan request out on my current residence. I provided an email response from the lender I shopped around with stating no loan exists under my name with them and that any and all loans were canceled. Wells Fargo stated that was not sufficient for their needs. I asked WF to provide me what exactly they need from the other lender to satisfy their needs. Wells Fargo could not provide me an answer to that question. When I asked WF can you provide me your policy or written procedure on how their underwriting approves loans the response I received was " We do not have a policy or written procedures regarding what is needed for underwriting to approve the requests needed to approve your loan ''. I then called the other lender to help me address WFs request they provided me a letter that included there letterhead from the lenders company email stating the following " The above-referenced client withdrew his application with us per his request. That being said he was not denied so no denial letter was sent to client since he was not declined. So please use this letter to ensure that no loan was made with ( Removed my full name ) and XXXX XXXX. '' WF stated this was not sufficient and did not nor would provide me examples of what they needed in writing to address their request.

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 2021-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have the Amazon Store Card from Synchrony Bank. 

I called synchrony today XX/XX/XXXX to see why my account was closed. They explained to me the reason for closing my account was because of two rejected payments. I had rejected payments on XX/XX/XXXX and XX/XX/XXXX. I didnt receive ANY warning or communication that it was going to be closed until I tried using it on XX/XX/XXXX. After getting my payments rejected both of those times, Ive immediately made my payment within days to maintain good credit history. 

I have over {$600.00} worth of reward points in this card that Ive earned and they will not give it back to me. I didnt even get a chance to redeem them. This is what Im most frustrated about!

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
In between XXXX XXXX  I refinanced my mortgage through a mortgage refinance company from XXXXXXXX XXXX to Flagstar Bank XXXX Did not notice this addition to my principal until In checking my bank statement I noticed that a second principal was listed in the amount of {$29000.00}. I called the Bank and spoke with a customer service representative and she could not explain the second principle amount and told me that she would have someone call to explain it. That never happened. I then looked at the closing documents and found that mount deferred and only financing a portion of mortgage. I can't find the closing document with the amount showingI was upset and blame myself for not asking questions or trusting the mortgage finance company who never told me or was upright with important and inform me that Flagstar didn't refinance the full mortgage and that there was a deferred amount that would require payment due for any transaction associated with the sell or refinance of my house. I was disappointed frantic and angry both at myself for not being diligent to review my documents thoroughly and catch the amount deferred. Now with the Pandemic still creating health and other problems this one I don't need. I realize that I'm senior and widow and I need some help in this mess that now is an additional problem and I also know there might not be a fix for this.

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 2021-06-29 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: FL

Complaint narrative:
I XXXX XXXX, sent a letter on XX/XX/2021 regarding with inaccurate and unknown things on my credit report. I feel like I am being taken advantage of and ignored by my disputes. In FCRA or Fair Credit Reporting Act section 611 ( A ), it is plainly stated that a failure to investigate these item disputed within 30 days should be deleted from my credit report. It has been over 30 days and I still don't get any response from the 3 credit bureaus. I demand that these item should be deleted immediately as they are causing me stress, this goes to all 3 credit bureaus. I have provide a copy a certified receipt as a proof that it has been over 30 days since they receive my letters, I also provide a copy of my ID as a validity of my Identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
My auto loan ( Hyundai Finance # XXXX XXXX began on XX/XX/2017. Although my required monthly payment is {$360.00}, I have had {$400.00} set-up as my auto pay amount since the start of the loan. All payments have been made on-time. I recently discovered that my over-payments were not credited to the principal as I expected but rather were supposedly credited to " future payments '' ( despite my continuing to be billed every month and debited ). I will attach a recent statement and payment reminder.

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 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I received and email that my PayPal account was charged XXXX Euros which is approximately equivalent to {$3000.00} XXXX on Saturday XX/XX/2021. I Contacted PayPal customer service immediately and disputed the charges, which at that point they said they will investigate and let me know. Few days later I got a notice that the case is closed in favor of the seller. I've reopped the case several times and spoke with several supervisor, PayPal keep saying this is a legit charge and there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: IA

Complaint narrative:
On XX/XX/XXXX, XXXX reviewed my credit report and noticed that Equifax was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
Us Bank reported on my credit report late on XX/XX/XXXX and on XX/XX/XXXX. 
i contacted USBank on XX/XX/XXXX to check those marks, and the representative : XXXX, confirmed to me that she dose see a payment on XXXX of XXXX and on XXXX of 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 non-monetary relief
Consumer complaint received 2021-06-29 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/2021 I attempted to suspend my services as I do every year. I only subscribe during XXXX season for the XXXX Ticket. I was told I could not until I paid the outstanding balance owed. I paid {$71.00} which cleared my bank on XXXX. I contacted them the following week and was told that they did not receive the payment and my services were cancelled and was quoted another service months worth. I have yet to be credited with the money I paid. After back and forth correspondence I heard nothing else. 

I received an alert from XXXX  advising of a collection account. It was a company named Credence Resource Management. I have not received any notification that this account went to collection agency but they are reporting me. 

I called XXXX XXXX to discuss this and was told that they did not forward account to collections but that I did owe this crazy balance. I advised of my payment back in XXXX and that I could provide proof of payment and was told to mail in a complaint. I have called to speak with a supervisor and was told there was not one and that I would need to mail a complaint. I have paid this and it is not being credited properly and I am getting no assistance from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
I became a victim of fraud when someone without my authorization took 9 trasactions of {$500.00} each via XXXX through my Provident Bank NJ Checking account on XX/XX/20 and on XX/XX/20. On XX/XX/20, I reported the the unauthorized transactions to Provident Bank and they immediately put a hold on my account. Since then I've been trying to get this resolved and money credited back to my account with Provident Bank 's fraud department but they keep stating that they are waiting for a response from XXXX and from their legal department. My business was with Provident Bank and not XXXX. I have rights and protection under the Electronic Funds Transfer Act yet Provident Bank NJ has not attempted to provide any type of resolution for my account being hacked via their XXXX service. 
It has been over 6 months and I am still out {$4500.00} dollars that I was saving for my maternity leave. I am now on my maternity leave with a newborn child and am finding it difficult to maintain my finances without any income and was counting on my savings to get me through. I have a copy of the fraudulent transactions as well as the Affidavit of Forgery/Unauthorized Transactions I filed/signed with the Provident Bank NJ directly. 
Provident Bank 's Fraud department # is XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 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: TX

Complaint narrative:
I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all XXXX XXXX  and TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXXXXXX  for a {$0.00} balance, XXXX XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. XXXX XXXX account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.

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 2021-06-29 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: TX

Complaint narrative:
I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all XXXX, Equifax, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. XXXX XXXX account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.

Company response to consumer: Closed with explanation