vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: MI

Complaint narrative:
I have sent letters after letters and I have asked them to send me a record of the late payments that they are claiming me to have. They claim I was 90 days late on a payment in XX/XX/2019. Which I know is a lie, I also let them know that if a person is so called late on a 90 day payment why did you only report it in XXXX, why didn't they report is showing XXXX, and also XXXX in the allotted spaces with is illegal to do. They should have listed every SINGLE late payment from my credit report regardless if theres more than XXXX late per account. If I had a 90 day late payment reported, there should be 3 separate late payments listed in the allotted slots. Which there is not. So this is reporting wrong and I just want it to be updated. Plus XXXX XXXX has already taking all student loans off my report. Not saying that I don't owe them because I do. I just want them removed due to they been on my report more then 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
XXXX XXXX placed a collection for {$5600.00} on ALL XXXX Credit Bureaus ... XXXX, Equifax, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : XXXX  On XXXX i saw XXXX was on my credit report. Never having received anything to do with this company nothing, I sent a letter. XXXX  see attached ). 
** On XX/XX/XXXX XXXX I was SUED by XXXX XXXX. ( Still, I had never heard of them or from them XXXX. 
XXXX XXXX XX/XX/XXXX XXXX I responded. 

-- -- - After waiting out LVNVs continuances for documents.On day of courtXXXX is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED XXXX Fundings case. CASE DISMISSED ..XXXX XXXX see document ) On XXXX XXXX XXXX XXXX XXXX write ALL XXXX AGENCIES requesting they REMOVE XXXX XXXX off my report AND THEY ARE REFUSING. 

PROBLEM : XXXX  and Equifax refuse to remove after receiving XXXX XXXX XXXX. XXXX Their reason to me= they continue to wait for XXXX XXXX  response REQUESTING HELP FOR RIGHTS 1. I requested XXXX  ; who I had never heard of get off my credit report. I was proactive and requested XXXX XXXX verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN XXXX  days later= IM SUED BY XXXX XXXX. 

2. XXXX XXXX continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed. 
THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE EXPERIAN, TRANSUNION AND EQUIFAX REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My name is XXXX XXXX and Im submitting this complaint on behalf of myself and for myself and will attach my State ID with this complaint for verification purposes. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my report and I have seen numerous inquires that I didn't authorize.. Tried calling the company and they have no record of it. I called credit bureaus and they failed to help me by keep stating the company can only remove them.

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 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
When Simple merged with BBVA on XX/XX/XXXX, I tried to set up my account multiple times. In the meantime, the Simple app was completely non functional due to the switch. So I have no way to see my money or anything. I went to register with BBVA. It originally could not find my account and to call. So then I went to the website and I saw they were having issues. Ok sure, it is the first day. I can be patient, i'll try again tomorrow. 

Tomorrow comes and I get farther through the process until I get an error saying to call as well nothing super specific. So now the third day I try and it says an account has been created with one of my accounts and to call. There have been multiple reports of this besides mine but you wait ~20 minutes on hold, call hangs up. You call the SPECIFIC number for these issues, they transfer you to a new waiting line. BBVA has openly acknowledged their failures with no solutions in place for consumers to access their online banking and therefore be able to see how our finances are. I cant pay my bills. The even more messed up part is we have no bank literally at all that can help. We cant even check our balances through old school methods because they havent fully transferred our accounts. They are holding our money though with no way to access it. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: CA

Complaint narrative:
I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with XXXX XXXX XXXX. I have paid 2 payments at the same time on several occasions ( 3 times ) and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. XXXX of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with XXXX XXXX XXXX. I have paid 2 payments at the same time on several occasions XXXX 3 times XXXX and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NY

Complaint narrative:
On XX/XX/2021, I have challenged the validity of these two accounts ( XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ) thats being reported on my most recent credit report. Upon challenging this, ( XXXX  ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these accounts from my credit report immediately as I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... XXXX, XXXX, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : ** On XXXX i saw LVNV was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ). 
** On XX/XX/XXXX = I was SUED by LVNV Funding. ( Still, I had never heard of them or from them ). 
** On XX/XX/XXXX = I responded. 

-- -- - After waiting out LVNVs continuances for documents.On day of courtLVNV is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED LVNV Fundings case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE LVNV Funding off my report AND THEY ARE REFUSING. 

PROBLEM : XXXX and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for LVNV Fundings response REQUESTING HELP FOR RIGHTS 1. I requested LVNV ; who I had never heard of get off my credit report. I was proactive and requested LVNV Funding verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY LVNV FUNDING.

2. LVNV Funding continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed.

THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE XXXX, XXXX AND XXXX  REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have tried to call their number on the back of their card XXXX and getting my card unlocked. IT is partially unlocked I can make payments etc but I can't change my address bc I put in three numbers on the back wrong, yet no problem when changing my password. MAIL has been stolen at our address. POLICE were informed. Hence needed mail to be sent to this address : XXXX XXXX XXXX # XXXX XXXX XXXX, MA XXXX. But I can't update that in AMEX system. So if they don't update my address and send confirmation to this address then we will have an issue as I won't be able to get any of their mail. I need them to change the address to what I provided and unlock whatever parts they have locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Several years ago I purchase a single bitcoin for approximately {$450.00}. Now it is worth roughly {$58000.00}. My wife and I are ready to purchase a new home and wanted to use this money for the downpayment. I logged in to my Coinbase account, and when I try to sell or transfer the funds to my normal bank, I'm given the message, " Account Restricted. You are currently unable to buy and sell crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' However there are 2 problems here. First, if you follow that URL, there is no information on remedying the situation. Second, there is no phone number or way to contact a human being to fix the situation.

I filed several support requests using their contact form, and thus far nothing has happened. If you look into this situation there hundreds, possibly thousands of complaints just like this.

Because of their slow response, my account value has already dropped by several thousand dollars in just 1 day. Since I can not access my funds, I will most likely lose the house we wanted to buy. Therefore this situation is costing me more than the lost value of the account, but potentially tens or hundreds of thousands of dollars in lost real-estate opportunity. 

This is honestly the worst customer service situation I've ever been involved with. If a brokerage firm refused to have a phone number and would not allow you to sell off a stock to retain your profits, the stock exchange and perhaps the US Government would be involved immediately. 

I need help and I need it ASAP. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NJ

Complaint narrative:
I have a XXXX account that was closed XX/XX/XXXX. XXXX closed only part of the account when I thought is was completely closed. We paid whatever was left finally XXXX XXXX, XXXX, but they did not close the account, because someone didn't do their job. Now XXXX gets bought out by XXXX XXXX and I can not contact them and get this resolve. No one will send me the non existent bills and only that XXXX has sold my debt to several collection agencies. I get mailed and called by AFNI, XXXX, and XXXX XXXX XXXX for this false debt. They have ruined my perfect credit and I just get more and more collection agencies writing, and calling me. Please let me know how I can stop this madness. I have spend 2 years trying to get this resolved and XXXX has also not investigated this when I have asked them to. 
Let me know what I can do to get them to stop harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: MI

Complaint narrative:
I have sent letters after letters and I have asked them to send me a record of the late payments that they are claiming me to have. They claim I was 90 days late on a payment in XX/XX/2019. Which I know is a lie, I also let them know that if a person is so called late on a 90 day payment why did you only report it in XXXX, why didn't they report is showing XXXX, and also XXXX in the allotted spaces with is illegal to do. They should have listed every SINGLE late payment from my credit report regardless if theres more than 1 late per account. If I had a 90 day late payment reported, there should be 3 separate late payments listed in the allotted slots. Which there is not. So this is reporting wrong and I just want it to be updated. Plus XXXX XXXX has already taking all student loans off my report. Not saying that I don't owe them because I do. I just want them removed due to they been on my report more then 7 years.

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 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 I submitted an application for the Apple Credit Card with Goldman Sachs and they continue to give a credit denial reason of me recently experiencing a charge off. I have not recently experienced a charge off and XXXX has verified that with me. XXXX has also shared that they will be submitting information to them about my application for reconsideration I assume. The most recent application from XX/XX/2021 they attempted to set me up with a program with them and it requires other stipulations before being approved but I refuse their program because I should not have to complete any program. The application from XX/XX/2021 should have been the first application approved. The denial reason of all applications came from XXXX. But as stated the denial reason is not valid. They complete soft inquiries on consumer credit reports for there credit card product of the Apple Credit Card. I contacting them about the application for the second time and after speaking with XXXX XX/XX/2021 they have confirmed that there is no recently charge offs being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: PA

Complaint narrative:
I Went to go purchase a house with my wife and and when we went to apply for credit I found out that I had alot of stuff on my credit report that didn't belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
XXXX NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE EXPERIAN XXXX XXXX AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY 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 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was charged a cash advance fee when I did not have a cash advance. I was charged {$10.00}, and PNC will not remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NC

Complaint narrative:
I have contacted FedLoan Servicing three times - in XX/XX/2021, XX/XX/2021, and again today, XX/XX/2021 - regarding a series of seven non-consecutive payments they are claiming are do not count as Eligible Payments for PSLF purposes. The two reasons listed for why these payments don't count are ( 1 ) " You Do Not Have A Bill Due For This Payment Period, '' and ( 2 ) " Your Payment Was Received Outside of Payment Period Window. '' I have been on auto payment since I started paying my student loans, so neither of these explanations make sense : ( 1 ) if I had no bill due, nothing should have been automatically withdrawn from my bank account, and ( 2 ) if I'm on auto payment, any payments should be made on time, without fail ; any failure to apply an auto payment on time would be the fault of the servicer, not me.

Every time I call in, they tell me my payments are " under review. '' I don't understand why this request should take 5+ months to review and research.

Company response to consumer: Closed with explanation