vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: KS

Complaint narrative:
Dear CFPB, My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) on XX/XX/2021 and again on XX/XX/2021 and they ; FedLoan Servicing ; have not provided a material response. They state that they are " assessing '' but will not provide me any timelines or other information. I am asking that CFPB contact FedLoan Servicing in an effort to get FedLoan Servicing to fix the ones that should have been fixed. This issue is time sensitive in that TEPSLF has limited funding and is a first come, first serve program. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX we paid off our Bank of America HELOC loan. 

Based on our payoff statement we were charged {$540.00} in interest through XX/XX/XXXX. We paid off the loan early on XX/XX/XXXX. A Bank of America representative explained to us any overage would be prorated and refunded to us within 20 business days of the payoff date. We calculate the amount of interest overpaid as follows : 26 days ( XX/XX/XXXX XX/XX/XXXX ) x $ XXXX/day interest = {$440.00} credit due We have spoken to Bank of America on five separate occasions each time being put on hold for over 30 minutes at a time and being given varying explanations for why we haven't received our overage. They have never called us back, we've had to contact them each time and each time they have a different reason for why we need to call back, email them information they already have regarding our account, speak to a different department, etc. 

It has been the single worst banking experience we have ever had and we would never do business with BOA again or recommend them to others.

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 2021-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: NC

Complaint narrative:
Hello, During the process of trading in the vehicle and paying it off. It appears a late payment notification was added to our Credit report. The account has never been late and is paid off in full. 
May you please update the 30 days past due in may Thank you very much!

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 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Do not have any knowledge of this Credit Account on my XXXX, XXXX  and XXXX  credit file to Original company One Wall. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove

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 2021-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: CA

Complaint narrative:
Calls twice a day on behalf of XXXX XXXX including hang ups and calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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:
I leased a car from XXXX in XXXX, NJ in XX/XX/XXXX. When it was time to turn in the lease in XX/XX/XXXX I decided to purchase the vehicle. I went to the dealership and took out a loan on XX/XX/XXXX with XXXX to buy out the vehicle. I got a loan through XXXXXXXX XXXX XXXX to purchase the vehicle. A few weeks later I started getting calls, texts and letter in the mail saying I have a past due balance of {$1100.00}. I called the dealership and they assured me I have no past due balance since I bought the car. The account is now showing 60 days late on my credit report and dropped my score almost 100 pts. I have talked the creditors every time they call and have explained to them, I have sent them email copies of the purchase contract and yet this has not yet been corrected.

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 2021-08-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.

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 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive received multiple solicitations from XXXX XXXX inviting me to apply for an XXXX Credit Card with NO IMPACT TO CREDIT SCORE for applying. Upon checking my credit report I noted a hard inquiry that I did not authorize from XXXX subsequently lowering my credit score by 37 points. I checked the offer again and confirmed multiple instances where no impact to credit score was advertised, however, upon, closer inspection I noted a small, barely noticeable footnote. This practice is deceptive and fraudulent. Had I been aware this would impact my score I would have never applied. Apparently XXXX knows this as well hence the bait and switch tactic.

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 2021-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CUSTOMERS BANCORP, INC
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2021, I signed Promissory Notes with XXXX to receive a {$20000.00} PPP loan. The app in question is SBA # XXXX. The notes listed Customers Bank as the lender. I was told that it would be funded within a couple of weeks. 

The loan was never funded. When I called, emailed and chatted with XXXX, they advised that the lender is Customers Bank and that I needed to contact them. Customers Bank representatives are unable to find information and repeatedly replied that the concern is being escalated and someone will reach out. No one has ever returned any correspondence. 

On XX/XX/2021, the SBA confirmed that the loan was first dispersed on XX/XX/XXXX to Customers Bank and then was showing funded on XX/XX/2021. I have not received these monies and am unable to get an explanation from XXXX and Customers Bank. I am concerned that I will be held liable for this government loan that I did not receive. Please help.

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 2021-08-19 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: Flagstar Bank, N.A.
State: MO

Complaint narrative:
I am currently buying a new house and my lender ran my credit check. He told me that my mortgage was not being reported. I contacted Flagstar my mortgage company and they said thats correct and needed research to find out why. A week later still no call back. I contacted XXXX XXXX, XXXX, and XXXX and they all said there is no information on Flagstar on my report. I asked them my next step and they told me to reach out to you as this is a law that they have to report. This loan goes back to XXXX and I am requesting all of my credit from then to now please be reported.

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 2021-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I missed a payment with Ford Credit and moved the payment to the back of the loan and signed the paperwork on XX/XX/2021. I received a call this morning XX/XX/2021 at XXXX XXXX  PST from phone number ( XXXX ) XXXX. 

I told her it is illegal to call me before XXXX XXXX  and she argued that it was XXXX XXXX and I had to point out I live in California. 

They had no business calling me since I had signed the Docusign paperwork already and my next payment is not due till XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Hello, My complaint is against Coinbase. My account has been locked since XX/XX/21 - it is now XX/XX/21. I have gone through their complaint process which ended in XXXX. I have yet to receive any support from them. I have had no access to my account which has a substantial amount of vitrual currency and cash that I need to survive. I have also missed out on the ability to sell in a highly volatile market. They are IGNORING me or have taken all of my money. 

Please see reference case numbers below : Case # XXXX - Case # XXXX - Complaint # XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/2017, I received a deposit account adverse action notice. Which prohibits me from opening bank accounts. I file a report with different banks regarding my bank accounts being hacked. I've resolved those issues with those accounts. However, this notice is still on my consumer 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 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received a collection notice from Covergent regarding an account that was paid. I have sent them correspondence showing that it has been paid and asked that they stop contacting me about this debt. They refuse and have since sent more collection letters via the mail. This is harassment and they must be stopped!

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 2021-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
okay this company bought an old account from XXXX XXXX XXXX XXXX on a car that I had 3 years ago. the car was picked up by XXXX because the was no longer running but I continued to make payments on it until XXXX of XXXX? the name of the company that's calling is Jefferson capital .I have not received any document from XXXX telling me what the car was sold for nor was I ever given a notice to bid on the car at an auction.to this date I have no documents or paper work from XXXX XXXX and the balance that Jefferson is asking for is over {$5.00} not even close because this car did not run.. it sat in front of my place for almost a year so please ask them to stop calling me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I found an account in collections on my credit report in XX/XX/2021. This collection only appears on my Experian report and not on the other two main agencies. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and they do not have any of my information in their system. I also contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they also do not have me in their system. The collection on my credit reports shows the original balance as {$280.00} and the current balance is {$210.00}. Even if I wanted to pay this off to have it removed from my account, I can not because neither the collection agency or the original creditor has any of my information in their system. I have disputed this as inaccurate information with Experian 4 times and they have not removed this from 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 2021-08-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called Fifth Third Bank in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX ( because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.

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 2021-08-19 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: GA

Complaint narrative:
On XXXX I noticed I had a couple inquiries I did not recognize on my report so I called XXXX, Experian, and XXXX  to have them removed. They all informed me that I needed to file a FTC report and mail it to them. On XXXX I filed a FTC ID Theft report ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

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