vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: Grain Technology, Inc.
State: GA

Complaint narrative:
I have reached out to Grain by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I contacted XXXX and unfrozen my credit report I waited to ask advance Americanet for a installment loan the following at and was denied because XXXX credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
The XXXX statement for my USAA credit card was posted on XX/XX/XXXX. It showed Cash Advance balance subject to interest of {$8900.00} and an interest fee of {$95.00}. I have never taken a cash advance on this card. I called the company on XX/XX/XXXX to inform them of the error. The individual I spoke with indicated that is how they account for interest on balance transfers. I previously had a balance transfer, but paid it off before the promotional period ended, and thus should not have been subject to any interest charge on the balance transfer either. I work in the financial industry, so I know that written complaints have to be dealt with, and where the individual on the phone wasn't willing to correct the issue and waive the fee, I submitted a letter to USAA which was received on XX/XX/XXXX. I received an email confirmation that they were reviewing it. This morning, XX/XX/XXXX, I received another email saying the fee is valid and I am required to pay it. I do not believe this fee is valid, and even though it may only be {$100.00} to me, which I can afford, if this company is doing similar behavior with its thousands of customers, especially if they are servicemembers, then I believe it's something that should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: AL

Complaint narrative:
This is my final attempt with trying to settle this dispute with Equifax through the CFPB portal. My next steps are to file litigation and seek monetary compensation for emotional distress & punitive damages ( plus attorney fees ). Equifax has chosen to willfully neglect each written claim I've mailed, and ignore each electronic claim through this portal. I've not received the proper treatment or have the two companies involved operated according the FCRA guidelines. There are inaccuracies on a XXXX report that is attached to my name. I do not recognize the debt, I have never lived at the stated address and have no recollection whatsoever of doing business with this company. I've asked for validation and verification on the behalf of both companies. XXXX sent a copy of a document that falsifies their right to report this account attached to my social security number. I've written Equifax and complained about the issue, all to no avail. This situation has directly effected my livelihood and credit worthiness. I demand for this account the be deleted from my account expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports with the credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
ON XX/XX/XXXX I sent a depute to Trans Union regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing as I ask. I ask that whatever the outcome I will be sent that information in writing with 30 days from theXX/XX/XXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By

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 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I have tried multiple times to contact Coinbase to get information from them. On XX/XX/2021 they removed XXXX $ from my bank account and the only resolution I was able to get was by speaking with my bank and getting this reversed. Then I made a mistake on XX/XX/XXXX and sent XXXX from my Coinbase XXXX to my Coinbase XXXX account and the funds are not showing in my account. Coinbase refuses to answer my emails since XX/XX/XXXX and I am hoping you can email them and scare them into complying and helping me finally. I have exhausted all other channels. 

Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Capital One Bank Usa will be civilly liable under Title 15 U.S. Code 1692k if Capital One Bank Usa failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Audit trail credit application Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
I am being charged for items I return. I was promised a refund in the amount of {$1700.00}, {$820.00} and {$420.00}. I never got my refund.

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 2021-09-17 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: GA

Complaint narrative:
I have reached out to XXXX by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.

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 2021-09-17 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: GA

Complaint narrative:
I have reached out to XXXX by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.

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 2021-09-17 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
We had to file a bankruptcy in XXXX of 2021 and I had kept my vehicle I still made my payments on time every month still up to this day and because I did not sign a another form they had sent me they dont report that I make my payments though they report that I do not make my payments to the credit report making my rating a negative result when I pay them every month now I feel that I am paying them every month they should not be able to report negative reports on me if anything dont do nothing I am paying on time every month it is not fair and it is not right for them to do this you will find a copy of my check for XX/XX/2021 I sent them for my payment that they have on the credit report as a negative payment so you will see the false information they are giving to hurt people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: AES/PHEAA
State: NY

Complaint narrative:
I was approved for loan forgiveness as I work in a public school. Fedloan approved this and placed me in a payment plan. I have been making payments since XXXX. I come to find out, that they put me in a plan that is not approved for forgiveness. I had no idea about this because since they approved my application and placed me in a payment plan, I would not ever think to question it. This is absolutely unacceptable as they mislead me the entire time. I have been working in the same school district since XXXX! I want all of the " in the wrong plan '' payments to be adjusted and put toward my loan forgiveness. I planned on retiring soon and do not have another 10 years to make this work. I have written them letters and made phone calls, but fail to get a response. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
As per conversation with my mortgage servicing company ( Carrington Mortgage Services , LLC ) on XX/XX/2021, I qualified for the COVID19 FHA Standalone Loan Modification, no documents required. As of then I have been calling on a weekly basis the loss mitigation department & every representative says the same. Its in review & waiting on the title. Although on XX/XX/XXXX with a conversation with a representative advised that they have had the title since XX/XX/2021. Called again on XX/XX/2021 & the representative said it is in review & they do not have the title. 
I am in a position to resume my mortgage payments but I can not get anyone at Carrington to finalize my loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a pre-approval offer with Chase because of my long standing account that was perfect history. I applied they did a hard pull on my credit file for which they would not inform me of what credit bureau they pull from. I was declined even though I have a XXXX credit score. Very misleading advertising and pre-approval notice is dishonest practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CO

Complaint narrative:
I received in the mail a is for a collection letter from MRSBPO LLC is the LLC out of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. This was an attempt to collect a debt is a debt and the creditor is XXXX incorporated. That gave me an official looking letter and they are trying to collect a balance of {$150.00}. I called both numbers and could not get a person to talk to and they actually hung up on me and I left a message on the Colorado line and nothing happened. I feel this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.

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 2021-09-17 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: MO

Complaint narrative:
ON XX/XX/2021 I sent a depute to Equifax Information Services LLC regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing like I ask the only way I knew anything happened is by the web I ask that whatever the outcome I will be sent that information in writing with 30 days from theXXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports.

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 2021-09-17 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: TX

Complaint narrative:
Experian, XXXX, and XXXX are not complying with their own policies in a timely manner. I mail a letter with the date of XX/XX/2021 outlining all incorrect information and to delete all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus thats has the date of XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding that letter. I see multiple FCRA violations and misleading false reporting from several accounts.

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 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
never went to hospital someone used my name i filed with ftc i called and told them this they dont stop i dont owe this not my debt they call me harrass me telling me there putting me in jail cal me at XXXX

Company response to consumer: Closed with explanation