vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: TX

Complaint narrative:
My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed for all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed for all credit 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 non-monetary relief
Consumer complaint received 2021-10-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
THIS ACCOUNT WAS PAID IN FULL AND WHEN I CHECK MY CREDIT REPORT IT'S STILL SHOWING A BALANCE THIS ACCOUNT WAS PAID IN FULL AND I HAVE THE LETTER TO SHOW. IT'S SHOWING CLOSE WITH A BALANCE OF {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am suffering from Covid and dealing with numerous deaths in my family. I notified the bank of a hardship and that I was out of town due to family XXXX and XXXX. They decided to request more information then originally after I told them that I was handling funerals. Us bank is intentionally causing infliction of pain and suffering. They stop me from doing the loan forgiveness a year ago while in the middle of applying to change the terms multiple times which had me confused. I told them I would just pay it back due to the hassle and their deceit and they are ignoring it just to cause any suffering to me possible while I deal with death.

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 2021-10-13 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 2021-10-13 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: GOLDEN 1 CREDIT UNION, THE
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 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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. LVNV Funding as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " XXXX '' a car company that has been sued in a class action suit. XXXX sold my account and still tried to collect on the debt that I did not owe as well as LVNV. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to LVNV on XX/XX/2021 and XX/XX/2021 and LVNV retaliated by filing a suit on XX/XX/2021. The plaintiff, LVNV has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser LVNV of the date he account first became delinquent. ( I no longer owe the XXXX debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the XXXX account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " XXXX XXXX XXXX ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached XXXX XXXX, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( XXXX account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have Mr. Cooper home loan which was transferred from XXXX. Now the loan is fully paid off. It's been worst experience dealing with Mr. Cooper where i got absolutely no help for anything. 
I have no statements from prior loan servicers ( XXXX ) -requested Mr. Cooper - they never shared with me. 
There is a {$45.00} - unapplied funds- i was told that within 30 days - I will be getting a check for that. nothing came. 
It seems that county recording fees is being paid on 3rd XX/XX/XXXX. But no further communication from Mr. Cooper. 
For more than 2 years - my online amortization schedule is not made available to me. 
I have no idea how much mortgage interest i paid for this property for these 6 years i.e. from XXXX to XXXX. Asked at least 10 times to Mr. Cooper- but no response. 
I have no idea how much mortgage interest i saved by prepaying the loan in the first 6 years. Asked at least 10 times to Mr. Cooper- but no response. 

Every time I open a CFPB complaint, Mr. Cooper takes it's sweet time of 30 days but then a good for nothing response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I borrowed money from XXXX [ XXXX ] bank about a year ago. I refinanced my home and secured money to pay off balance of said loan. On XX/XX/2021 I requested a payoff. The amount given was good till XX/XX/2021. The mortgage company I have, sent a check for {$1000.00} over the amount due to payoff the loan before XX/XX/2021. XXXX took the check paid off the loan and took an additional monthly payment and sent back a check for {$400.00}. 
I need help to get my full overpayment returned to 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 explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Credit card account has remained 'suspended ' after paying the balance early through a payment plan recommended by Discover. 
The XXXX credit limit has not been accessible, even during COVID-19 pandemic when most needed. Discover has continued the suspension of my account. Their excuse for doing this is : my " credit history with other issuers ''. -Disregarding the fact that I do not owe Discover, the account is open and inaccessible. 
This account has been open since XX/XX/XXXX, starting with a XXXX credit limit, Discover reduced the limit to XXXX immediately when the balance owed was XXXX. Said amount was remitted to bring the balance back to XXXX in XXXX of XX/XX/XXXX. The original XXXX credit limit was never restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my husband sent {$1800.00} through XXXX from his XXXX banking app. To my Bank of America account. Which we do transfers through multiple times a month. This time it did not go through immediately, although it left his XXXX account right away. And showed the transfer was complete. When going onto my Bank of America app it showed under the XXXX tab as pending for up to 3 days. I immediately called the bank as Ive never seen this before, and they assured me it would go through within 5 days and to call back if it doesnt. 5 days later I still didnt have the money and Bank of America seemed to be confused and had know idea why it still said pending, but assured us that they didnt receive the money from XXXX, so we needed to contact them. My husband called XXXX and was told the money was sent and completed and gave us the confirmation code they had, and said the only option was to file a claim as fraudulent. Which he then did. I called back Bank of America and was transferred multiple times to different departments and supervisors who all had no idea what to do, other then say they never received the money from XXXX and as I was the receiver they could do nothing and was told to have my husband contact XXXX again. So I then called XXXX directly to try and get an answer. They basically said they would do nothing for me because we transferred using our banking apps, not the XXXX app, so we needed to contact our banks, and transferred me back to Bank of America. Who again seemed very confused about the issue and said they could do nothing for us. We contacted XXXX XXXX again and was told the claim was being looked into and they would give us a credit of the {$1800.00} back into our account while they continued the investigation. Which a few days later we did get the money back into the XXXX account, and thought the issue was resolved. A week after that we received a letter from XXXX saying the claim was closed, and showed no fraudulent acts, so they were going to be removing the {$1800.00} from the account in 5 days. We called XXXX back amd was told the claim was closed, because the money showed sent, and there was nothing they could do. After multiple conversations with different supervisors we again were told it wasnt there issue and there was nothing they could do. Calling Bank of America again they said they didnt receive the money and didnt know why it showed pending and could do nothing for us. After a month of going back and forth between banks and multiple calls, we are still out our money. Bank of America says they dont know why but still seemed to try and look into it. As XXXX washed there hands with us and said theres nothing they could do and that was the end of it.

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 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VT

Complaint narrative:
Multiple times attempted to trade crypto. Coinbase processed transaction then canceled or not completed without notification while using app. Acted like it completed trade then emailed later it did not complete trade. Multiple time the coinbase took money when trading shiba inu crypto. They have agreed there is a problem and still won't give me my money back. Scam. Failed to execute trades accordingly. Leaveing customer without control while markets move and and coinbase holds our money without recourse. Then agrees there is a problem but won't pay me back. The Coinbase system appears to operate like a claw machine in the arcade. Grabs the trade act like you have it in hand but drops the item as it executed trades, especially ones when value is droping rapidly. Coinbase can't facilitate or manage its trading system. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: RI

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have repeatedly asked they discontinue to call my references and they continue to cal my daughter everyday I had XXXX and lost my job and unable to pay at this time. 
I know I owe this money but I cant pay this and keep a roof over my head

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
I have recieved a notice from Sequium Asset Solutions on XX/XX/2021 of an illegitimate debt they were trying to collect, ref number XXXX. 

I sent a response challenging this debt via certified mail on XX/XX/2021 they signed and received on XX/XX/2021 stating that I was challenging this debt and to case and remove it from any credit reporting agencies within 30days if they could not provide adequate dated information, payment records, and contact details of someone who had original knowledge of the debt of this collection. I requested all communications be performed via certified mail and I have yet to receive any additional mailings from Sequium. 

Today I was notified of an alert on my credit report that they have opened an account in my name on XX/XX/2021. I believe this is to harvest information illegally and the FCRA has protections against this. They have not responded and this is an illegal attempt to collect a debt even after I requested additional information and a contact to refute the debt. They have not responded to my challenge in any way and I want this to stop. 

This is not the first company to attempt this illegitimate collection and the others who have tried to know this as they ceased collection efforts immediately. I want to ensure Sequium/Comcast does not attempt to sell or continue to pursue this debt as this has been re-sold numerous times and is harassment at this point and it goes against the FCRA guidelines XXXX Before it was sold into collections, a supervisor at XXXX said it would've been handled and removed when this all started as it was their error and this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: 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 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Accounts Service
State: CA

Complaint narrative:
California Accounts Service has been attempting to collect money from me for medical debt I dont owe. The balances were supposed to be paid by primary and secondary insurance and the bills specified not to bill me if services were not covered by insurance. Primary insurance claim was denied. I didnt receive payment from insurance but California Accounts Service claims I did. Creditor refused to provide documentation for over 4 years but continued to report additional fees to credit bureaus each month. They claim that they did not contact me because they believed I was filing for bankruptcy. This is false- no bankruptcy action was filed and I did not consult with an attorney. After filling additional complaints against the debt collector, they mailed me a statement. The statement shows no billing was generated between XXXX while fees were assessed. An explanation of the fee schedule was never provided, a right to dispute was never provided and the statement they mailed out to me shows multiple HIPAA violations including personal information, treatment codes, insurance details and additional confidential information. All reporting by California Accounts Service must be deleted from my credit for fraudulent reporting, breach of duty and causing multiple data breaches of my confidential information over the past 4 years

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Santander Consumer USA Holdings 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 2021-10-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX  is a company that does payroll for another fraudulent company which is XXXX XXXX wisely charge me for a service they didnt provide they charged XXXX dollars against my card to have express shipment they I didnt get holding my money and the card leaving without access to my funds meanwhile this card comes through a job I no longer work for that doesnt report proper info to Maryland Labor or IRS on there workers they make you work for nothing or less then what was offered in signing up for the job this company has XXXX  XXXX  on the job XXXX  XXXX  XXXX  on the floors from XXXX that runs the store knows but removes all that he can steal from XXXX of Human Resources have you work off the clock stating she will put hours in that doesnt get put into the system while working they remove good workers and keep those they can manipulate this company owes me XXXX that they have not paid not trying to pay from fraud to XXXX  to ripping off customers this company along with card services needs to be shut down I will make this noted to the world do all in my power to take both XXXX  XXXX  XXXX XXXX  accountable for the fraud thats being provided something needs to be done about the XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX location and the financial company which is XXXX  they use both is committing fraud and stealing from the users of there employment and services!!!!!!!!!!!!! reporting them to all putting up fillers to get them exposed!

Company response to consumer: Closed with explanation