vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-12 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: CT

Complaint narrative:
I have paid off my mortage with XXXX. XXXX sent a letter confirming that it is paid off. However Equifax refuses to update the record. They scripted the site so that I can't send them any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
This complaint is regarding the cryptocurrency exchange Gemini and i have been using this exchange from XXXX XXXX XXXX. 

On XX/XX/21 and XX/XX/21 I used the exchange to buy {$1000.00} of the crypto token BarnBridge ( Ticker : BOND ). Both transactions were for {$500.00} each. 

The average price of the token ( blended rate for both transactions ) was {$27.00} per token. 

On XX/XX/21, the price of the token rose to > {$40.00} per token, reaching as high as {$55.00} per token. During this time, i made multiple attempts to sell my tokens and was unable to due to some arbitrary limit set by the exchange on my sell order ( please see picture evidence attached ). Surprisingly, while the price was fluctuating, it seems like i was unable to sell when the price was > {$40.00} but able to sell it mins later when the price was < {$40.00}! 

I am attaching 3 imagines here : - Picture 1 shows inability to sell at XXXX EST when the price was {$48.00}. 
- Picture 2 shows ability to sell at XXXX EST when the price was XXXX {$37.00}. 
- XXXX XXXX shows inability to sell at XXXX EST when the price rose to {$45.00}. 

The error i kept getting when the price was high was that i can only sell a minuscule amount, amounting to ~10 $! However when the price was low ( {$37.00} ) it was allowing me to sell my entire position. 

This seems like a breach of contract that the company has engaged in when not allowing me to access the market! Please look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My FICO scored dropped from XXXX to XXXX ( XXXX  ) and from XXXX to XXXX ( Equifax ) in 1 month. I recently refinanced my home mortgage and both credit reporting agencies are showing duplicate hard inquires and an incorrect average age of accounts. I have had credit accounts since XXXX. XXXX  shows my FICO score at XXXX as of XX/XX/XXXX. 

If this information is not corrected with 30 days lawsuits will be filed against both companies seeking all remedies allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: SC

Complaint narrative:
TransUnion has been receiving letters from me since XXXX of 2020 but hasn't done a proper investigation on accounts that I feel are inaccurate. I've sent several letters with no response on some. 
XXXX XXXX XXXX XXXX Bankruptcy These accounts are negatively affecting my report and I just want a proper investigation done so that these accounts are either deleted or reporting accurately 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 2021-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
XXXX was an online catalog back in the XXXX and they are still writing me after I had filed many attempts for them not to contact me anymore for something I dont owe. They have now added some interest and fees to a Dept making it well over {$4500.00} for something I dont even owe. Under my old married name. They now have an attorney writing me as they had already ceased all action over 10 years ago only to restart. They have filed for bankruptcy and if you XXXX them, XXXX XXXX they had to pay millions for lying about how much they made. I wish for them to stop harassing me for a debt that is not mine! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I been dealing with a issue with Experian Report Number XXXX Date Generated : XX/XX/2021 back in XXXX I paid off my car loan with XXXX XXXX XXXX Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect & also the account says charge off account which that's incorrect. XXXX XXXX sent me a letter that's says the car is paid in full not, Account paid in full for less than full balance which that on my Experian report i can not get a car loan with this incorrect accounts that on my credit report. i have all my letter from XXXX XXXX its not making any sense why this showing a charge-off or paid for a less amount XXXX XXXX agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my credit file Experian is the only company that have this account show as a bad account this is so wrong i never miss a payment with this company i call Experian about his issue so many times & Experian will not fix this account show as a good account & paid & full & the miss payment also incorrect. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan but on my Experian credit file say {$17000.00} that's not right at all. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 

15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD ... ...

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 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX on XXXX XXXX Sent a goodwill letter to said company Capital One asking for removal of negative report of late fee. Capital One responded that they are not able to removed these negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I called the credit card company to ask about getting my interest rate lower. My credit score is XXXX and I have paid my bills on time. I believe I am being redline because of where I live, My interest rate is 21.24 %. I called them in XXXX about my rate. They said that they could not lower it. I got a paper in the mail where they were offing me a loan with 0 % interest until 2022. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, I deposited two checks with my XXXX into our joint checking account at Bank of America. One check was for XXXX} ( received an e-mail from bank that deposit was successful ) and the second was for {XXXX}, which the bank said was duplicative and rejected. I then saw on my account that the {XXXX} was taken out of the XXXX} and both checks were placed on hold. I tried to resolve the matter by phone for more than one hour to no avail. One call after a long wait on hold was taken by a person and his supervisor, who said they could not access the account. On another call after a long wait on hold, the clerk told me I would have to bring the checks to a branch. 
I am an XXXX incapacitated person who does not drive or have anyone I can ask to go to the branch with the checks. I have been a Bank of America customer ( I'm called a " preferred '' customer because my interest-free checking balance is more than {XXXX} each month ) ever since B of A bought out my friendly neighborhood bank.

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 2021-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I received a collection letter with an allege owed debt of XXXX from SouthwestCredit dated XX/XX/21. In the letter SouthwestCredit failed to comply with Federally Protected Consumer Rights. On XX/XX/21 I sent SouthwestCredit a affidavit of truth along with an invoice, cease and desist, and the contract for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
I started a online application with myself and a co-applicant to check rates without affecting my credit score per their website. After checking my rates I called a few days later to review and ask some questions over their balance transfer loan process. During this call I did not request and was not made aware that the agent assisting me was starting a loan application for me under my name only. I ended the call and a few days later when I was ready to submit the application for the loan I noticed that my co-applicant was not on the loan. I called to inquire about this and was told by the agent on this call that since I am the main applicant only my name would show and the co-applicants would show on another page. With this information I then submitted the application and was approved for the loan, without the co-applicant on it. I did not know I was submitting a application for myself only as that is not what I started online and was not told by any of their agents that there started a new application under my name only. I want the credit inquiry to be taken off as it was ran under false information given to me and a false application I did not agree to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: NJ

Complaint narrative:
UNSOLICITED DEBIT CARD FROM XXXX XXXX  ... XXXX.I received a DEBIT CARD from XXXX XXXX that I never applied for.

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 2021-06-12 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: OH

Complaint narrative:
There was 3 disputes I have tried to get opened back up with Experian. Under FCRA and experian guidelines, new information in grounds for re-investigation. Well, that is exactly what I have done, 3 times now. I have submitted new information, that pertains to a dispute, that I have never introduced. The attached information will be available as well. The first is 2 XXXX XXXX XXXX XXXX Accounts that includes the statements of the serveral months that shows as late on my credit report. These statments prove I was never late and it was a common reporting error by the bureau. Secondly a letter directly from XXXX XXXX from a CFPB case that entails the inaccurate information will be deleted and Experian has yet to accept that information as grounds for re-investigation. This continued violation of my FCRA rights has costed me money, time, and most importantly fair access to credit and lending due to the negligence Experian continues to show.

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 2021-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was looking at my account because my account total looked incorrect so I was question my card company and then all of a sudden a unknown purchase from a store I did not go to was on my account. Now the card company is saying that claim can not be processed because it is now to late to make the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
Called multiple times, each time I get a voicemail that states " This customer is not receiving voicemails at this time. Goodbye. '' Also sent multiple letters requesting verification of debit and haven't received any correspondence in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Went to purchase a car they said my report said I had to many inquiries.I did not do them some one hacked 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 2021-06-12 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: GA

Complaint narrative:
I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to lexis nexis as well telling them that they are in violation of my rights as well and sent letters to lexis nexis to fix this. Certified as well and was received by lexis nexis on XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Equifax It has come to my attention that continued requests for removal of credit inquiries that do not belong to me are still entered as accounts on my credit report. You also have incorrect names and variations listed, which is not normal. There is an immediate request for removal and blockage of incorrect and mis-represented information. 
I have listed below, the companies that have somehow gained my information to place an inquiry on my report. I do not have any open lines of business with them or ever have intended to. 

Correct Home Address : XXXX XXXX XXXX XXXX, # XXXX XXXX NC XXXX Incorrect Address Info : XXXX XXXX XXXX XXXX, XXXX NC XXXX. 

I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Several inquiries that I noticed that does not represent a request from me. They all need to be removed as ASAP.. 

XXXX XXXX XXXX SO XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im currently paying for myFICO monitoring of my credit report. It alerts me with accurate up to date changes. I dont understand my credit score reporting but the fact that my score will go down 9-10 points for a {$39.00} charge that was paid overnight makes no sense at all. In fact the amount of points my scores decreased based on low amount charges but when I make {$2000.00} payments lowering those same credit cards my score will go 2-4 points. It makes absolutely no sense. Why are these companies reporting incorrect information, why is my score so severely changed for small changes that literally are on my card for a day. I believe its racially motivated and if my name was XXXX XXXX, the reporting and score would be totally different/higher scores. The manipulation to my score by all 3 credit bureaus is XXXX and wrong. On top of these departments method of reporting. How fo you report a {$200.00} charge, take my score down 10 points but I pay back {$700.00} in a month, you report it as {$120.00} and bring the same score up 4 points. Also, please dont give me the excuse of dates because Ive paid before and during my due dates. This makes no sense at all, very strategic the method of reporting and 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 explanation
Consumer complaint received 2021-06-12 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: OR

Complaint narrative:
It has been more than six months to resolve disputes with Citi Bank. Every time I call, someone in XXXX or XXXX tells me its processing, just wait. I am so tired of waiting.

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 2021-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I filed for bankruptcy in XX/XX/2018. At the time, we had a first and second mortgage. First was with XXXX XXXX and the second with Ocwen, now PHH. My husband DID NOT file for bankruptcy. He is also on the mortgages. We are trying to refinance our mortgage now that my bankruptcy is discharged. We are trying to refinance only in my husband 's name since I'm working on rebuilding my credit. During this process of the new lender and XXXX XXXX working to obtain a payoff amount from PHH, it was discovered that my husband was removed from the PHH loan in XX/XX/2018, and PHH is saying it was a modification. There was no such modification nor should my husband have been removed from the loan. In addition, we never authorized this or signed any documents. We are unable to refinance in my husband 's name until the situation is rectified. PHH removed him from the loan unlawfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The amounts were for XXXX $ for captiol one and XXXX for XXXX during the pandemic I got sick with XXXX and lost my job i tryed to explained this to my creditors but they offered no additional assitance to me.. so i made an arrangment to pay the minium amount i owed on both accounts in return they promised me they wouldnt report anything negative to my credit report but instead they did and lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XXXX XXXX, I received a lawsuit to collect a debt for the amount of XXXX for a membership for a vacation club, that it sold the debt and the person who sold the debt sued me, the membership was canceled but I do not understand why they want to pay for something that has already been canceled

Company response to consumer: Closed with explanation