vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2021-09-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filled out an application through XXXX XXXX for XXXX XXXX. Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/21, I loaded my Coinbase debit card with {$1000.00} and attempted to make a purchase at XXXX with it. Due to an issue, XXXX cancelled the transaction at the register and sent my money back immediately. However, Coinbase has not credited my account back yet. 

I have phone recordings proving that XXXX has sent Coinbase the refund, and that Coinbase admits that they received the refund from XXXX. Furthermore, Coinbase acknowledges that they have not credited my account with the missing {$1000.00}. I have attached one such recording to this complaint ( it is in a .zip file due to the XXXX limit ). 

When I call Coinbase, they keep escalating the case to an email-only team that never responds. 

Coinbase case numbers : # XXXX, # XXXX. I also have several " escalation '' numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
Excessive interest of 28 %. Contacted company about lowering rate, would not lower rate. 
XX/XX/21 Asked company why I had made 17 payments of {$580.00} totaling {$9900.00} and only {$1200.00} had been applied to principal. Entire payment for 5 months was applied to interest and the XXXX only {$16.00} was applied to principal. Company explanation was this was simple interest and when my payment was made even though they were charging me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 have had identity theft done to me and itis noted on the website of Experian and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXX - XX/XX/XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX-XX/XX/2019 XXXX XXXX  XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX -XX/XX/19 XXXX XXXX -XX/XX/2019

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 2021-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
Since the winter of XXXX, I've been trying to re-apply for the " Rate Reduction Program '' that I was on from XXXX. When I initially inquired further about this process, I was told that it was available as an option to me given that it's the only solution that is affordable for me, and keeps my Sallie Mae monthly payments consistent and in good status. 

With that, I chose to put forbearances on my account ( which ended up being another issue they had to fix after I filed a CFPB complaint this summer because they kept telling me I was " approved '' but it wasn't being properly reflected in my account ). 

Now, I am back trying to figure out how to make my monthly payments affordable and the only options offered to me have been interest only payments that very slightly reduce my bill ( from {$520.00} to {$480.00} ) AND keep me in a delinquent status or pay the full monthly fee for three months to show good faith and go from there. 

Neither of these options make sense of me, my credit score, my financials, and Sallie Mae 's ability to get paid. These are not solutions, they are only mere alternatives to keep my interest rates high while Sallie Mae gets a payout. 

I need to get my interest rate and/or monthly payments reduced to be more aligned with what I was paying on their " Rate Reduction Program ''. On XX/XX/XXXX, my account manager and the various reps that I've spoken to have told me that they see that I SHOULD still qualify but for some reason the system is listing me as ineligible. My account manager XXXX XXXX informed me that he had no idea why and there isn't a way for him to see the reason for that. He mentioned that Sallie Mae has undergone significant changes this year so that could be the reason why -- but this is still super unacceptable to me. 

The max monthly payment that I can currently afford is $ XXXX/month. I need actual solutions from Sallie Mae and less of this unclear back and forth that makes me feel as though they are XXXX  with my account in an attempt to keep their business as profitable as it can be. 

This coupled with the miscommunication delivered in regard to my continuous need to apply for a forbearance on my account, has put me in a position where I feel like this company either is failing to implement new protocols and communicate them to consumers OR this is all a part of their plan to increase profits during the hardship that has been the Covid-19 pandemic. All at the expense and via the manipulation of the consumers wellbeing and shady business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
The one im referring to is PAYPAL hello. i've been using paypal for almost 5months now and this is the first time i in counter a problem with paypal. i got permanently limited due to a sale of unapproved file sharing services. My only purpose of creating paypal account is to add a payment method in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didnt sell any file sharing services then how is that possible to limit my account for that reason? i tried to see all of my selling history but none of them are file sharing services can you help me to lift this false charge in my account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a Bank of America credit card which I have had for many years. I started to pay it on-line each month when my statement is released. The on-line payment program on the BofA website will preset the payment with the minimum amount due each month if you select that option. 

SCAM and INTEREST OVERCHARGE I select to pay the amount due at the date of my monthly statement. Bank of America AUTOMATICALLY FILLS IN THE PAYMENT DATE AS THE LAST POSSIBLE DAY YOU CAN PAY - and NOT the day you are making the payment. If you do not notice this and do not remove the date and replace it with the date you are making the payment, YOU ARE OVER CHARGED THE INTEREST EVERY PAYMENT. ( A frame grab of the BofA page is below. ) BofA has about 55.6 million credit card holders if even 5 % fall for this scam, they are overcharging 2.78 million customers a month. 

I filed a complaint with the Washington State Attorney Generals office. They sent a request for an answer to BofA. I received a call from their compliance department which had a message that it was also a collection agency. They requested a call back. I called three times and left a message, they never ever responded. The WA state AG later informed me that BofA refused to answer the states complaint. 

They continue this scam every month in on-line payments. 

A screen capture PGN file is attached. The payment date is shown below their late day as the " earliest payment date ''. Note that the payment date they record is the last day before the payment is late. 

Thank you.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently got copies of my 3 credit reports and found that Experian had a strange unknown address listed as my address. 
I called Experian on XX/XX/2021 and told them about this strange address and that I never used or ever known of this address and they said that it would be removed from my credit report within 24-72 hours. 
I am now concerned about this as I feel that someone may be trying to commit fraud or identity theft. 
The false address that was on my Experian Report is : XXXX XXXX XXXX XXXX, XXXX, TX 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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
called equifax 3 times to LIFT a fraud alert, was lied to and given confirmation numbers, assured my mortgage company and I would be able to pull my credit, equifax website shows where freeze was lifted but my mortgage company was still not allowed to pull cause of the active ALERT still showing on their end. incorrect addresses they reuse to update are hindering me from obtaining a place to live during the pandemic and may become homeless due to some MINOR mistakes that are keeping my credit LOCKED against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
ACCOUNT WAS UNDER INVESTIGATION. REGIONAL SENT LETTER STATING THEY COULD NOT FIND AN ACCOUNT, ONLY AN INQUIRY THAT IS NO LONGER REPORTING. HOWEVER THE ACCOUNT IS LISTED 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 2021-09-29 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Purchased ink on XXXX was last purchase I made. Shortly after five fraudulent charges ( see attached letters dated XX/XX/21 and XX/XX/21 ) were made on XXXX on XX/XX/21 and posted on my credit card on XX/XX/21. Within two hours I contacted Barclays card services at ( XXXX ) XXXX and reported the fraudulent charges. Told them I did not authorize, purchase or receive anything. The company put a freeze on my account and reissued a new card to me. Sent me a letter on XX/XX/21 and XX/XX/21 stating that an investigations was performed and the charges were valid and put back on my account. Letters of dispute dated XX/XX/21 and XX/XX/21 ( attached ) were sent to Barclays card services. In both letters I told them that I had not authorized, purchased or received anything and that the charges were fraudulent the result of identity thief. The company keeps telling me that I made the charges I have not been able to change their minds and receive resolution.

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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: NY

Complaint narrative:
I purchased a Tesla XXXX XXXX from Tesla 's XXXX, New York location on Friday XXXX XXXX. The car was purchased by fully paying for it by certified check. ( I had to use the " Car Lease '' option on the CFPB website as there is no other option to register my complaint. ) The car had been booked online on Tesla 's system in lieu of the delivery of a different car which had been booked months earlier for scheduled XXXX delivery but which had been delayed. 

On getting home I was shocked to discover that the " new '' car I had purchased had over XXXX miles on it and was obviously a demo car or a used car that the dealership had owned. 

The whole process to sign and take delivery at the Tesla XXXX location was extremely rushed. It was Friday evening ( around XXXX XXXX  ) I was asked to sign a bunch a papers without any disclosure on what I was signing, was given no documents and was handed the car at sundown to drive home. At no point was it disclosed that the car has a certain mileage that I should know about and check. Tesla 's don't come with a standard odometer and I discovered the high mileage on the car by going to the Tesla App once I got home.

I was extremely unhappy by this turn of events and contacted Tesla the next day ( Saturday XX/XX/XXXX ) to register my intent to return the car, At the same time I asked to get access to the paperwork for the car. Tesla claimed that the mileage was disclosed on the paperwork I signed. The taking delivery process was very rushed, I couldn't read the details of the contract and it was not even given to me until I asked for it again later. Bottom line, I did not expect to buy a new car but get one with over XXXX miles on it.

Tesla said they had put in a price reduction of {$560.00} for the demo car. I told them that the same is not acceptable to me. The car is over XXXX miles or 6 % into the XXXX mile warranty in addition to wear and tear. A 1 % reduction in the car 's price is not reflective of those facts. I told them that I would like to return this car and wait for the NEW car we had ordered several months ago. 

I offered to return the car promptly to Tesla, by submitting that request in writing via email to the rep I was interfacing with, but have not heard back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ DATA INTERNATIONAL IN at XXXX XXXX XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$3700.00} account that is being reported as past due I dont know this company this company does not have a contract with my signature because I have never done any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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 2021-09-29 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: AFNI INC.
State: IL

Complaint narrative:
i have a filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received investigation results

Company response to consumer: Closed with explanation