vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
The car loan was paid off around XX/XX/2021 after the car was repossessed. I called American Credit Acceptance within a week and requested my title so that I can take it to Florida Highway Patrol to have the lien release and get my title without lien. I was told on XX/XX/2021, that my papers was mailed out on XX/XX/2021 and received a email of the documents that was supposed to be sent to me. XXXX XXXX still no title, a rep claimed it was mailed out and give it two more days. After waiting three more days still nothing, so I reached out to the young lady that sent me the email name XXXX XXXX and told her that I hadnt received my paperwork yet. Mrs. XXXX then told me that she would send out a lien release form on XX/XX/2021 and I should receive it in a couple of days. Sill the original paperwork I received a email copy of hasnt made it yet. So I called on XXXX XXXX and spoke with another representative and asked about the original paperwork and explained Mrs. XXXX was sending out the same form he offered to send me. He wasnt aware of any other paperwork that was supposed to be mailed to me, and said he was sending me a lien release form again. This time I was told to give it five days not two. Its been a day short of thirty days since the car was paid off and the finance company will not send me my paperwork so that I can get the lien released from the state of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2021-09-01 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:
I noticed a few accounts on my report I do not recognize

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 2021-09-01 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I WAS A VICTIM OF ID THEFT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: GA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is or was no third party involved so why is their authorization needed to process my complaint about my consumer report on which you are reporting false and misleading information on. I DEMAND YOU REMOVE THESE ITEMS IMMEDIATELY.

CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I cant get into my account with Coinbase, a company listed on the XXXX stock exchange. I have an account for 5 months, 1 1/2 months ago I started getting texts and emails ( emails were sent to trash, but I never trashed any emails ). When I go into the spot that says change password, I change it but then the 2 step verification comes up with a phone number which is not mine. I cant get the code from the 2 step verification because its not my phone number. I tried to change phone number but it asks for current phone, i tried my real phone number because I dont know number they listed because it has xxxx except last 2 digits. I think my account has been hacked or Coinbase is not helping fix my problem. I cant call them, no phone number, I have sent many emails from their help.Coinbase.com site. But each time I do I get those emails with a case number ( as I mentioned previously in trash ). I send a response from that email and they say this case has been closed.I am in this terrible loop and its been 1 1/2 months now and cant get into my account. I need help Case # XXXX or XXXX, 5ese might be old because I cant get a straight response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX  confirmed that they were processing a refund. Up until that time, I had not seen the confirmation from XXXX so I proceeded with a dispute on my Chime " Credit building account '' ( false advertisement ) .I then contacted Chime XX/XX/XXXX XXXX EST B/C XXXX stated it could take 5 BSN days to process.they informed me they hadn't received the refund of {$830.00} & to file a dispute. I consistently sent proof via chat of refund confirmation but chime insisted i contact XXXX then stopped replying. XXXX confirmed the Refund was initiated XX/XX/XXXX completed on the XX/XX/XXXX & chime 's dispute was replied to advising the refund was processed successfully on XX/XX/XXXX. Agent/Disputes Supervisor : XXXX ( XXXX ) kept insisting I give the dispute until XXXX to be solved or have them refund AGAIN.At this point I had apple on 3-way ; they verbally confirmed that chime already had the funds, they had replied to the dispute & there was nothin else they could do. Could this be a Regulation CC violation? They also claim that the credit builder account helps build your credit but the only thing the account does is report my balance as if I owe the balance and not reported as true balance which is just money I deposit/transfer. They say it is like a secured credit card but it did nothing but hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, Bank of America has recently started charging a {$12.00} " maintenance fee '' on my savings account without informing me of these changes. I have had an account with them for over 20 years. This is an obvious cash grab I do not understand how the banks can just start taking money out of our account. This is not banking, this is stealing. Can banks just decide at will to literally start stealing customers money at whatever amount they decide? How is this legal?

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 monetary relief
Consumer complaint received 2021-09-01 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I WAS A VICTIM OF ID THEFT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My wife and I share an account on Paypal linked to our checking account and credit card. We have used the account without any incidents for over 20 years. With no warning or details, our account was disabled by Paypal on XXXX. Phone conversations with customer service reps ( and supervisor ) indicated that they could not tell us why our account was flagged and disabled but that " Paypal no longer wants you as a customer. '' We are a well-off family financially, do not use Paypal to sell goods or services, and 99 % of our transactions are XXXX  or other online retailer purchases. We find it to be very disconcerting that a company that is essential to online purchasing can rudely ban a consumer without any reason or cause provided, no warning initiated, and no appeals process to have a human look over the case. This could be discriminatory based on purchase history or our demographics. We simply don't know and they absolutely won't give any details. Note that we have never had a limitation or case opened either by us or against us on the Paypal platform. This was 100 % a surprise and unwarranted based on the terms of service agreement. This is also apparently something that is commonly happening to consumers with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed an account on my Equifax report on XX/XX/XXXX for XXXX for removal from my report. I advised that the account was supposed to be removed per the creditor, which I supplied a copy of the letter from XXXX. On XX/XX/XXXX, I received dispute results for confirmation # XXXX stating that the item was updated to the report as paid in full. However, again I attached the letter from XXXX which stated that the credit bureaus have been notified to delete the debt from my credit report. I called several times and was told by each representative at Equifax that the account was in fact deleted. The letter that was sent by XXXX is dated XX/XX/XXXX and it is now XX/XX/XXXX. Please have Equifax to remove this account from my credit report as it is a violation of my rights to continue to report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: OH

Complaint narrative:
Contacted XXXX  and Transunionregarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2021-09-01 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:
On XX/XX/XXXX as a consumer of the United States, I sent Equifax a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 2 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. Your ( Equifax ) Response which has been document by myself as well as the CFPB was please be advised that an investigation with the furnisher of the information has been initiated. On XX/XX/XXXX I sent in a complaint and you were suppose to due an investigation. 30 days have passed and you ( Equifax ) have not furnished any written proof that the items in fact belong to me. That means that you willingly keep negative fraudulent information on my consumer report without any proof whatsoever. Now your claiming to start another investigation. By law the furnisher had 30 days to get you ( Equifax ) the information you needed and you havent furnished any proof whatsoever. I want those negative fraudulent items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
BULLCITY FINANCIAL SOL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Submitted a collection account with XXXX XX/XX/2021. BullCity Financial never made an attempt to notify me via mail or phone of this alleged collection. They simply submitted a collection to XXXX, which I was altered to. I have opened a dispute with XXXX, which they supposedly " verified '' the information, and updated my credit report, which the collection stayed. I reopened another dispute, and submitted more information. I sent BULLCITY FINANCIAL and XXXX a certified letter on XX/XX/2021 disputing the charges, collections and inaccurate ( damaging ) reporting to my credit report. Additionally, as a bullying tactic, they continually keep " updating '' reporting to my XXXX Credit Report five times in less than a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
The Servicer : Heartland ECSI I applied for Loan deferment with this organization as I did with my other two loan servicers. Both of the other two had simple online forms that could be filled online or e-mailed in and one could easily deal with the deferment. Their phone lines are open to deal with students their chat lines are handled with professionals, and e-mails are returned with proper information to deal with their customers as human beings. 

ESCI on the other hand has the worst customer service I have known. Their phone line requires hours of wait if you hold on. They give you the option of returning a call. Which doesn't happen. Their chat and e-mails are a waste of time, that send you back to the phone system, which as I explained earlier, takes hours to deal with.

All documents must be sent through the mail. Which I complied with. When I called them to see what happened to the documents I sent. According to ECSI, the documents did not reach them in time. Which inconsistent with other facts. I sent another package through the mail the same day. it was received and acknowledged before the deadline on the ECSI documents, even though it had to go farther than the ECSI document.

ECSI is not a good loan servicing organization. Their entire system is built upon the idea that people will give up trying to find solutions and pay the loan sharks. Or else their credit might be ruined. Either pay ECSI on time or have your financial knees broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been battling with Citi in regards to an account listed on my credit report without any knowledge of my own. On several occasions, I have attempted disputing this account with Citi asking for verification of debt, however no one within Citi would comply with the Federal Government or with the Federal Trade Commission that regulates the Fair Credit Reporting Act as well as the Federal Fair Debt Collection Practices Act Section 809 ( b ), which plainly states " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Citi is considered the debt collector and letters were sent to their CEO/CFO between XX/XX/2021 and XX/XX/2021, asking for such debt to be verified and they have failed to do such. Only until my most recent conversation had with their Executive Response Unit Representative XXXX, whom agreed to finally send verification of debt after payment was rendered ; so in a sense, I was corned or made to negotiate matters without the debt being properly verified. I have disputed such with all three credit bureaus and neither except for XXXX, have vouched on my behalf to have the account appropriately verified prior to payment being initiated. The Executives or Executive Management Team, have no knowledge as it relates to debt requiring to be verified per the Federal Law that mandates such, prior to any debt being settled. What they have done is completely illegal. This account needs to be permanently deleted from my credit report immediately.

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 2021-09-01 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: OH

Complaint narrative:
Contacted Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NJ

Complaint narrative:
I noticed a few Inquiries on my credit report I do not recognize

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Services of NY, Ltd.
State: OH

Complaint narrative:
Professional services sent a me a letter demanding payment of XXXX I sent a Debt validation letter on XX/XX/2021 certified mail. I didn't obtain nothing, but they kept calling and sending me threatening letters about league action, in my Debt validation letter I reminded them that under the fair credit act I was requesting that no contact should be made, I gave them 30 days.

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