vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Contemporary Information Corp
State: NJ

Complaint narrative:
I noticed an eviction on my Report but I have never been evicted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: NJ

Complaint narrative:
Credit bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.

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 2022-04-16 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: NJ

Complaint narrative:
Credit bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
My interest rate is still at 6.5 % while the federal funds rate is near XXXX. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
President - i opened citibank checking XXXX and savings XXXX on XX/XX/2022 i transferred too both less then {$37000.00}, {$35000.00} to the savings and {$2500.00} to the checking. i received there debit card mc XXXX and activated it. both accounts last night were blocked and today they said they couldnt speak to me any further but before that said the accounts were closed and it will take 12 weeks at five business days per week to receive the funds of simply 60 business days. besides that i made a decision and closed my XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts this week and loved the thought that im not a part of them any longer and good riddance. all three got notarized letters by usps certified mail this week and look forward to never doing business with them ever again. since they dont have my money any longer. im glad they dont. ill will be more then ecstatic next week when all three are official. i think i still have a chime account ( XXXX ) it has money in it and i sent my direct deposits from ssdi to it. do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.

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 2022-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I returned vehicle as a voluntary repossession due to damages cause by natural declared disaster XXXX XXXX. Vehicle was sold and account was closed. Now Company is reporting to credit bureaus that I owe a balance and account is delinquent.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: NY

Complaint narrative:
In u.s.c 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Was overcharged for vehicle with unfair and deceptive and predatory lending tactics. Was given an APR rate which exceeds the legal state limit. Contract was not explained to me nor was I aware that I was paying hidden fees which sent me into debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent multiple letters to equifax, as well as filed several complaints now through CFPB in reference to incorrect information being reported on my report. Each time I have received a generic responses from Equifax with no resolve. Furthermore Equifax has refused to reinvestigate the incorrect information in my report. There was charge off on my XXXX  XXXX XXXX XXXX  account. The date of first delinquency on this account reflective in the screenshots I have provided in this complaint was XX/XX/XXXX. The account has been reaged on several occasions, due to them reporting a CO on several occasions after it first occurred which is illegal. Once this account became a charge off it became a dead account, and should not have been reported every month thereafter as a charge off or reflect late payments because it manipulates the statute of limitations. After notifying Equifax in writing that they were violating the law they updated the report so that the CO isnt reflective to appear that they are reporting accurate information but they are not. They have without a doubt manipulated the statute of limitation on this account. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should NOT be on credit report AT ALL. It is the bureaus responsibility to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a dispute on a merchant through XXXX with Citibank for an amount of {$2300.00}. I contacted everyone and Citibank was the only one willing to help me out, I tried telling XXXX and XXXX so much about the situation but they didnt really help me all they told me was to file a dispute with my bank which I did. XXXX and XXXX had the worst customer service ever especially XXXX  since I was barely able to contact them. Only response I got from XXXX was to dispute it and a month later Citibank tells me they was not in my favor and took money out which I dont think its fair. I tried reaching out for help and although I didnt receive the items I dont think its right for them reach that final decision. I tried giving as much as information I could, I hope you guys can help me out because this is really stressful and not fair. I didnt receive nothing for me to be charged that amount.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have constantly requested from transunion and the debt collection company to validate my debt : the contract that I had with them and my signature and show me proof that I did business with them by sending me proof thru mail. And within a couple hrs they released to from investigation. They have not sent me any proof of validation.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2022-04-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/2022, I made a bitcoin ( of XXXX unit ) purchase on Coinbase XXXX using the majority of my cash balance of {$20000.00} at noon. However, the transaction didn't seem to go through as the purchase wasn't shown in the portfolio balance but the cash balance dropped by the amount purchased. So I reached out to Coinbase and asked for a resolution. The technician didn't know the issue and planned to seek his colleague for help. Around XXXX I got a call from XXXX XXXX who claimed to work for Coinbase to help me with my issue. He said the transaction didn't go through due to the need for my ID verification. He then sent me an email asking for my driver 's license and then sent all my bitcoin balance of ( {$48000.00} for XXXX units of Bitcoin + XXXX cash balance ) at Coinbase XXXX to an unknown blockchain address. He then hung up the phone. I contacted Coinbase customer service and they said they can not revert the transaction and they don't have a strict regulation on bitcoin transfers to any external address. Also, they don't provide FDIC insurance of any amount either. 

I would like for CFPB to contact Coinbase to investigate the poor customer service they had in terms of providing security and protection to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In u.s.c 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I reach out to Wakefield and Associates multiple times to attempt to get proof of the debt they have reported to my credit report. The company will not respond to emails about this debt. I called the collection agency on XX/XX/2022 to attempt to get proof of the debt. I was told I would get an itemized statement within 2-3 weeks. I called the collection agency again on XX/XX/2022 to request the itemized statement and proof of claim for a debt they are saying that I owe. I recorded this phone call with their representative and I was told at this point they do not provide proof of debt. I was told over the phone the debt is valid and I have to pay it. I waited again and made another phone call on XX/XX/2022 to attempt to get proof of the debt once again. The representative I spoke with at this time told me I have to send an email to XXXX which I sent an email at this time again attempting to verify a debt they say is mine. Today is XX/XX/2022 and I have still not received a itemized statement after requesting well over 30 days ago. The debt is still reported to 3 major credit bureaus. I would like this debt removed as they will not provide me any proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: KY

Complaint narrative:
I filed numerous disputes with TransUnion credit to fix the reported amounts on my credit report that where hindering me from obtaining a good credit score but they continue to report incorrect amount and drop my score all together. Accounts like my car payments and a old collection which was paided in full is still reported even after showing proof of closed and paid in full. I believe that they discriminate against people of XXXX XXXX consumers in reporting credit.

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 2022-04-16 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: NC

Complaint narrative:
I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
My hands are tied.. as we went through the whole process I was told this phrase several times. We had finally made it to the top of a 40+ wait list at the end of XXXX. But where the story really starts, we were just out driving as a family and thought we would check it out XXXX XXXX. We Loved our first experience. We told our relator and she was so excited for us. Well when we show up to look at lots with XXXX he pulled me aside and said we could have a relator because when we got on the list they were not there with us. We fought this the best we could but with no luck. That was in XXXX. 

Then we finally move on without our relator. We loved checking on the house and seeing the process. As the time goes we are left in the dark no updates or help through the process. So we reach out to our cousin to start the loan process this was in XXXX. We really get rolling around the end of XXXX or early XXXX because the house was due to close XX/XX/XXXX. 

Our plan was to see what offer between our cousin and XXXX was better. Well in XXXX when our other Morgage company reached out to XXXX they would not work with them. Because in the contract we had to disclose this 30 days prior to our close date and we were a few days maybe a week short of that. So they threatened to cancel the contract if we did not move forward with XXXX XXXX. So to keep our house price we moved forward because cost have only gone up since XX/XX/2021. 

Now XXXX XXXX did not explain any of the process they would just send task in the portal. We went though XXXX different points of contact and have to start that process over again because things were missed by the previous person. 

Our close date was moved from XX/XX/XXXX to XX/XX/XXXX with less than weeks notice and we heard about it first from our insurance company. Who had to fight to work with XXXX. Then our sales guy told us it was the XXXX so I move everything around to plan on that date. Then in a few days it moves back to the XXXX. Then on the XXXX our XXXX lady calls and says we wont make the XXXX due to underwriting. 

So I get them letters explaining my job and pay. My work has used this same email to get many other guys into homes and it was denied on the XXXX. Then I talk with XXXX on the XXXX and he tells me our contract was canceled because we dont have funding and its the day of closing. 

He then tells me his hands are tied and there is nothing he can do. But he adds they will sell it for $ XXXX more. We had a family member offer to pay cash and they would not even except that. 

Then XXXX XXXX would not give us the opportunity to apply for any other loan.

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 2022-04-16 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: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Binance.US has locked me out of my account for not agreeing to their new biometric facial scanning policy for logging in to one 's account. They give no option to refuse. Either you agree or you can't access your account. Also, this policy change happened suddenly, with no notice whatsoever. 

I found out later that Binance.US is being sued for illegally gathering biometric data on their clients. It seems they are now coercing consent to avoid having to pay out to clients for their wrongdoing in the event they lose the lawsuit. Or it could be the government pressuring them to do this, I don't know. I only know it must be illegal to lock people out of their accounts, denying them access to their funds, for not agreeing to it. 

I would like to have access to my account to remove my funds. I've been going back and forth with them by email. They admit that the new policy is unfair and they say they are trying to roll back the policy to allow users access to their accounts without having to agree to the invasive biometric facial scanning, but it's been more than a week and still no change has been made to allow me access. They did send me a nasty email saying I would no longer be able to use Binance.US. Funny, because I had already expressed to them my desire to remove my funds and close my account. After that, they sent me another email apologizing for the inconvenience of not being able to access my funds on their platform. 

They are clearly acting in an illegal manner. I'm not the only one affected by this obvious violation of privacy rights and denial of access to one 's financial assets ( see Binance.US on XXXX ). They should be sued on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
BinanceUS has blocked users out of their accounts pending agreement with updated terms of use that include a face scan to be shared with the companies affiliates. 

Users were not made aware prior nor given a chance to withdraw funds.

Company response to consumer: Closed with explanation