vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: NC

Complaint narrative:
I send three or 5 letters requesting documents thats shows physical proof of documents showing this accounts was verified its been pass the thirty day

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 2022-02-03 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: NC

Complaint narrative:
I send three or 5 letters requesting documents thats shows physical proof of documents showing this accounts was verified its been pass the thirty day

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 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: VA

Complaint narrative:
In XXXX there was a car purchase in my name without the proper paper work they needed. The other person that was with me took them a fake check stub now he has the car. The dealership also know about this I have spoken with them the next day. They also states that they're going to remove my name. Yet they didn't. The dealership and the other party involved used that check stub and wilth all said I haven't worked in a year. The bank Westlakefinancial also have a fake check stub and they are aware yet didn't do anything about it. I gave been try to fix this since XX/XX/2021.

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 2022-02-03 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:
EQUIFAX AND XXXX IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Auto Finance Co
State: NC

Complaint narrative:
My credit report shows a SAFCO account reporting as of XX/XX/16 as a Charge Off for {$10000.00}. This is not my account. I have written numerous letter to this company and filed several disputes with the Credit Bureaus. This is not my account. I do not have a contract, loan, nor do I have a financial obligation to this company. They are continuing to ruin my credit and this is not even my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
Keep calling my sick mother looking for me even though both of us have tried to tell them to stop. They hang up on us before we have the opportunity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX AND TRANSUNION IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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: CT

Complaint narrative:
TransUnion currently shows a derogatory credit report for " XXXX XXXX '' a collections company for XXXX XXXX to whom it is claimed I owe a debt. This is a error and should be removed because I was covered by my insurance company for any and all debts owed for treatment. This is having a negative impact on my Credit score and report when seen by other financial companies.

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 2022-02-03 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: CA

Complaint narrative:
XXXX XXXX. XXXX XXXX Account Number : XXXX TRANSUNION XXXX. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in Transunion and XXXX with account name XXXX XXXX XXXX account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: IL

Complaint narrative:
I am a victim of identity Theft I have not received any phone calls from any debt collectors I have a police report the date of the action that were taken by this company was XX/XX/2022 the amount they saying I owe is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I am now eligible for PSLF due to the limited waiver from XX/XX/XXXX and qualify for forgiveness on the loan that I have paid on successfully for over 15 years while I've been employed by the Federal govt. I had tried to apply prior for loan forgiveness, but was told my loans didn't qualify. I followed the directions for the limited waiver to consolidate my prior loans into a direct loan, which I did on XX/XX/XXXX. Once I received notice that the direct loan was completed on XXXX XXXX, XXXX, I submitted the PSLF application on XXXX XXXX, XXXX. I then get an email XXXX XXXX XXXX, XXXX from Fed Loan Servicing saying I have only made one qualifying payment and in my online account with them it is saying employment not certified. But, to even submit the PSLF form, I had to have my employment certified by my Federal agency, which I did. I called the PSLF number listed on Dept of Ed site, XXXX on Mon. XXXX XXXX, XXXX and was told that I yes, had 1 qualifying payment but the agent could not answer any PSLF questions. I hung up and thought about it more, and wasn't satisfied with that answer so called back again, waited on hold, spoke to an agent who said he could not answer PSLF questions, so he then transferred me to PSLF line and waited on hold again. The agent that handled my call was able to provide more information and was able to determine that my payments were considered prior consolidation payments but there is no way to track that online or know the progress that Dept of Ed is making to review to see if those payments count or not. I then logged into my account on Dept of Ed/XXXX and it's saying that I'm not eligible for PSLF and that I have not been in repayment for at least 10 years and do not yet qualify for PSLF. At this point, I have no idea if I will receive forgiveness or not and who can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
This is a response to my last complaint concerning Synchrony Bank who offered and gave me two credit cards, Amazon Store Card and American Eagle store card. At the time the offered me the card, I had additional cards, I had no real estate, I had a previous bankruptcy and they still offered me the card with limits of {$1400.00} and {$500.00} respectively. 
When I submitted my last complaint, Synchrony Bank called and left a number for me to call back ( with an extension ) and when I did, the voicemail was full and I wasn't allowed to leave a message and 30 minutes later, their response was given and my complaint was closed. I feel like it is an unfair response from Synchrony to say that the reasons for their taking my credit limit down to my current balance each time I pay a large amount are for reasons that were in place ( bankruptcy, no real estate, other credit accounts ) when they gave me the card. They are punishing me for things that I had/did n't have when they gave me the card and credit limit. Because they are taking my credit limit away when I pay down my account, they are in fact creating a problem ( that they say is the reason they reduced my credit limit ) which is that it makes it look like I have run my credit up on their card and takes points on my credit report! Synchrony Bank is part of the problem!

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 2022-02-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX 1. SYNCBXXXX XXXX Account Number : XXXX XXXX 1. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in XXXX and XXXX with account name SYNCBXXXX XXXX with account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase Compliance KYC team ( XXXX ) started sending me emails on XX/XX/XXXX requesting me sensitive documents in order to avoid getting my Coinbase 's account restricted. 

These were the requested documents : 1. Please provide additional details around your current or previous occupation/any businesses you own/are involved in. Please also provide supporting documentation, eg. a payslip issued within the last 3 months or a letter from your Human Resources department confirming your employment. 
2. Please confirm the source of funds deposited into your Coinbase account and provide us with supporting documentation, ( e.g. a payslip, statements from other exchanges, loan agreement, credit card statements, screenshot of transactions from an unhosted wallet. ) 3. Please confirm the primary source ( s ) through which your overall wealth/net worth was generated and provide us with supporting documentation ( e.g., a pay slip ; brokerage/investment statement ; home sale document, probate or conveyancing document, copy of Will, Grant of Probate, Gift Letter etc ). If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth.

4. Please provide us with 3 months worth of bank statements, issued within the last 4 months. 

This kind of emails are suspicious and look like phishing to my eyes and experience, so I ignored them even though Coinbase Compliance team sent me remainders every 5 days. 

On XX/XX/XXXX I've got my account restricted, and I realized that those emails were legit and should have been taking in consideration, so I proceeded to send all the information and documents on XX/XX/XXXX, following their steps : 1. Upload documents to our secure SendSafely portal https : XXXX {! Case.CaseNumber 2. Use the same email address that's associated with your Coinbase account 3. Use a desktop browser ( XXXX XXXX works best ) rather than a mobile browser if possible First response was on XX/XX/XXXX, asking me for the same documents again. 
The second response was on XX/XX/XXXX, it was a 5-day reminder asking for the same documents again. 
Third and last response was on XX/XX/XXXX, it was what it looked like a default response telling me they'd received my documents, so I had to wait. 

So after 11 emails sent asking for updates or information, that's all I've got. 

My account remains restricted after providing the requested documents 31 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Collection Opened : XX/XX/2021 ; Alleged Debt Collector : TRANSWORLD SYS INC/51 ; Account # : XXXX ; Alleged Debt Amount : {$1100.00} ; XXXX, XXXX and XXXX hav All Violated my Federal Protected Consumer Rights ; I have Proof of a Medical Violation they reported on my Consumer Credit Report ; XXXX, XXXX and XXXX are currently in violation of 15 USC 1681 ( 3 ) - Restriction on sharing of medical information and 15 USC 1681b ( 4 ) - Limitation on redisclosure of medical information. I have written to them several times since XX/XX/2021 and they are still reporting this Medical Violation on my Consumer Credit Report. I have requested several times through written and verbal instructions to remove this alleged debt collector from my consumer credit report as the alleged debt collector also obtained my personal information illegally which is also considered Identity Theft outlined specifically in 15 USC 1681a ( 3 ) Identity Theft. It has been over ( 45 ) days, where I am demanding XXXX, XXXX and XXXX to delete & remove this alleged debt collector/collection immediately from my consumer credit report as I have never signed any agreement and/or contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to ameri home mortgage. The ameri home mortgage account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call ameri home mortgage to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and ameri home mortgage still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi XXXX sent me a Letter to my old address. The Letter had my full name and account number on the first page. Someone opened the Letter before I received it in my mailbox. It took me four hours to try and reach someone at Citibank to put a hold on the account. Wait times for customer service are greater than 20 minutes. Now it is impossible for me to lift and move that money to another account. I have banked with Citibank for more than 15 years. I want to close my accounts in steps so I dont disrupt auto payments and deposits.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
I signed up for high speed internet. Summer of XXXX. 

Unfortunately the internet worked inconsistently. I live in the Mountains XXXX XXXX XXXX. I contacted them on 3 different occassions after instalation to get the issue resolved.

They put me through to techincal department 3 separate times. They made changes to the router settings. Nothing worked. Took 4 hours to watch a 2 hour movie as it continued to buffer. The internet speed would stop or was extremely slow. Could not attend XXXX  meetings. Was unable to work from home. 

They failed to provide the proper service they advertised. I had to switch to a different provider. 

I disputed their cancelation fee they charged my credit card. They failed to respond to the baks dispute as they could not prove they provided the service. Now they are sending letters. They are not owed money when they failed to provide the proper services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation