vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-11-21 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I deposited {$1500.00} dollars into coinbase pro. After the deposit, I received an email from coinbase that stated : " Hi XXXX XXXX, Due to an insufficient funds error from your bank, we weren't able to authorize your transaction for {$0.00} USD / {$1500.00} on XX/XX/2020. We haven't processed this transaction or charged any cancellation fees. Please feel free to try this transaction again using a different payment method. '' However, I had {$1800.00} in my bank account and I was charged {$1500.00} XXXX by coinbase. Although I was charged {$1500.00}, I never received the money in my coinbase or coinbase pro account. I contacted Coinbase and they have not responded and the money ( {$1500.00} XXXX XXXX has been taken out of my primary bank account. When you click on the deposit it says : " is_instant_usd : true coinbase_payout_at : XXXX coinbase_deposit_id : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TN

Complaint narrative:
On my XXXX  report. It shows XXXX and it says its open and closed. Plus last account activity date has been wrongfully changed and from what i was reading isnt supposed to be done. Probably same way on Experian

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 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Fraudulent charges made on account.

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 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Did not fully investigate fraudulent charges and also added insane interest and charges for those fees.

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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have used experian for a long time to freeze my credit. I even have the same pin for years. 

I Sent certified mail to experian to un freeze my credit because they would not recognize my pin # they send to me. I sent all my identification as requested. 

I even sent a 2nd letter asking again to unfreeze my credit again with the same identification. This time to permanently unfreeze. 

I pull credit reports for my business and can not even use XXXX for my applications because my credit is frozen

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 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/2020 I sent a Debt Validation Letter to LVNV Funding for a collection notice I received in the mail about an account with a full balance of {$830.00}, today is XX/XX/2020 more than 30 days after and I have yet to receive any response back. However, I assume they did not respond as they have no validation for the debt because the collection has been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affiliated Management Services
State: IA

Complaint narrative:
There is a collection account on my XXXX  credit report from Affiliated Management Services for the amount of {$2100.00}. This account has been previously disputed with other collection agencies and found to be a result of identity theft. The account is being repeatedly sold to different collection agencies with them having knowledge this account doesnt belong to me. This medical collection is not associated with my identity. I have enclosed an ID Theft Affidavit an police report as supporting documentation. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
To Whom It May Concern : I logged onto my credit card company 's website ( Barclay Arrival Card ) to make my regular payment on XX/XX/2020. It read that I did not have a payment due. I thought it was odd so I took a screenshot ( see attached ). I received an email just now ( XX/XX/2020 ) saying the payment was late. I logged on just now and the company assessed a {$37.00} late fee on XX/XX/2020, the same day I went on to pay it but did not even have the option to pay because it read that " A Payment was not due '' ( also see attached screenshot for today with a late fee added ). I actually was planning to make a payment anyway since I was on there and am working to pay it down. I did not even have the option to make a payment. And then seven days later they assessed a late fee. This is unacceptable and shady business practice ; one for which I can not be the only victim, I'm guessing. 

I have also attached the emails that I sent myself immediately with the two screenshots attached, one from XX/XX/2020 when it said a payment wasn't due and one from today, 7 days later, after notification came into my inbox saying payment was late and I learned the fee had been added. Please refer to the two attachments with the email date and time signature - that is, the PDF versions in landscape as the portrait PDFs did not capture the date and time I sent myself the emails with the screenshot attachments as evidence. Your remove attachment buttons are not working so I could not remove the other email attachments that do not capture the date and time signature for when I sent myself the emails. 

I'll be paying the full balance and terminating the credit card but I am sure I am not the only one to whom this has happed. Please address. 

Respectfully, 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 explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I posted my XXXX  XXXX on XXXX for XXXX and received an offer from a gentleman. The man states he lived in Florida and wants to use the XXXX as a XXXX for his hunting camp. He stated he would send me a certified check for the amount and after I cashed it and the monies cleared he would arrange a car carrier to pick the XXXX  up. I told him that was fine and would be looking for it. I received the check via XXXX two days later for the agreed amount of. {$5600.00}. I was skeptical being the gentleman was from out of.town so once I received the check I called the bank on the front of the check to verify funds and all was good. I then did a mobile deposit for the check and went on with my day. There was an automatic 10 day hold which I totally understood and didn't complain. Three days later I noticed the deposit had been removed from my account all together. I called the bank and they stated I was being investigated for Deposit Account Fraud and were freezing my account. I was appalled and have called them daily all week to find out the status. There was no deposit account fraud and I never received any money from this check but yet they are holding my checking account hostage with close to XXXX in it and I am unable to purchase gas to even go to work. When I call i get the same answer. We don't know how long it will take. I even went and opened another account at another bank but can't fund it until they release my funds or I get paid next week. I have been banking with this facility for 10 years. I really need help and don't know who to turn to.

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 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion keeps reporting a debt from 2009, the company XXXX XXXX they continue to report about has been disputed twice and removed from other bureau 's. This debt has no supporting documentation from the collection agency, nor has ever provided me with any such documentation. Transunion is continuing to report something that is 1. ) too old and 2. ) not even valid and has no supporting documentation from XXXX hospital. this is from XXXX trying to keep me in a contract that was only 1 year old and required renewal. I never renewed with XXXX hospital and all of my dogs Dr bills were PIF and they actually refunded me like {$9.00} in the store due to this being a confused mess. There is no 2nd year of doggie insurance EVER requested nor approved by me. If they want to collect they need to provide documentation YET IT '' S OVER 7 YEARS OLD. 

I have done everything I can do to remedy this but as stated there is no contract, no signed documents, nothing that supports this debt and further nothing to verify the debt and again they refunded me aprox {$9.00} after this mess. 

If there is they should have provided it to me from 1. ) XXXX back in 2009 and 2. ) From XXXX XXXX and 3. ) from Transunion. NOT 1 place has ever provided me with documentation OF THIS DEBT. Just says it's owed but no signed document from me or anything of the sort. 

I am requesting a remedy and/or Valid documentation to be provided NOW. 

Thank you, 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 explanation
Consumer complaint received 2020-11-21 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
talked with a customer service representative about the summary of account dispute with unauthorized purchases started XX/XX/2020. there were NO transactions on purchases.

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 2020-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I started with XXXX XXXX. I filled bankruptcy in 2019. During the bankruptcy process my house was sold to Carrington. Since then I was behind from the previous during my bankruptcy with XXXX. Now Carrington owns it. I had to pay XXXX basically to keep my house. I paid that and was caught up on the mortgage. Since then Ive fell behind on my mortgage again by two months now with the exception of they wont allow me to make this month of XXXX. Carrington will not let me pay my monthly note with a little extra at a time to catch up. They want it all at once. Being that Im a single household income and playing catch up at the beginning of the year has set me back again. I only owe XXXX on my house. The house market value is XXXX. I think they are trying to make me lose it so they can cash in on the Equity. They tell me since its a federal loan I cant make partial payments to catch it up. When I was with XXXX I was able to do that during hard times. Now since they own it I cant do that. Which seems odd to me? I need someone who knows about the matter or could give advices to call me. My name is XXXX XXXX. My phone number is XXXX. Looking for a solution to a big problem. I believe they are trying to steal my house for the equity. Doesnt make since you wouldnt let me make a payment with a little extra to catch up. Not allowing me to pay just puts it further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
A XXXX  by the name of XXXX, who is in a gaming group called XXXX XXXX, used XXXX  to announce he is selling XXXX XXXX and I started speaking with him through direct message on XXXX and eventually sent him the money through PayPal. He then continued to block me and hasn't answered any of my emails. He scammed me and stole my money. I reported an issue to PayPal but I have to wait up to 90 days, and I reported him on both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I am trying to get a payoff so I can refinance. Axos Bank says they have 7 days to respond, well this is work days and if there is a banking holiday that adds time so I am now 11 days/ 8 bank days into this process and don't have a payoff. I did get a half hearted call to see if I wanted to refinance with them. Today it supposedly escalated and assured i would get the payoff today since a supervisor was working on it but nothing. I do this for work all the time with banks and other mortgage companies and only have to wait hours not days!. Help Axos holds us hostage when we try and refinance with others!! 
Initiated Payoff Message on XXXX as their instructions state, system does not even acknowledge message received or response will come. 
Called XX/XX/12 to see if they were working on my payoff, was told yes we see your message but they have 7 days, so he says you won't get it until the 7th day so not up to 7 days, they don't do anything until 7 days Day 6 ( really day 10 ) I get the call to see if I want to refinance.

Day 7 nothing Day 8 I call person says sorry, talked to supervisor and assured me they would send payoff today! NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
This is partially a follow-up to complaint # XXXX, to which the responding party has yet to provide an answer. After filing my dispute with Alliant Credit Union on XX/XX/2020, and NOT being issued a provisional credit, I filed a complaint with the CFPB for the lack of a provisional credit, which had never been denied me before. ( The Complaint also goes into deeper claims of a newly-instituted policy of $ XXXX/per item, which cost me {$360.00}. ) After filing my CFPB complaint on XX/XX/2020, I did receive a credit of {$130.00}, not the full {$160.00} being disputed. Today I have received a letter from Alliant Credit Union which states that I had been issued a provisional credit on XX/XX/2020, for the complete amount of my claim, {$160.00}. This letter is a fraud. I have attached both a copy of the letter alongside a detailed report of my checking account, which shows the fraud. I would like never to do business with the fraudulent company again, but I would first like back ALL of the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I would like to bring to your attention that all 3 credit reporting agencies Transunion, XXXX and XXXX are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking 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