vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/1202 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CA

Complaint narrative:
On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. XXXX Equifax, and XXXX  have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY. 

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately, failure do so and i will file for litigation due to violation of LAW and FCRA! 

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security XXXX XXXX XXXX  Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA XXXX as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I applied for a loan with upstart through XXXX XXXX advertisement on XXXX XXXX. This was a backed by XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. This advertisement is for people with credit challenges and pre qualify them for the amount to apply. I passed the pre qualification check and recommended amount was {$4600.00} which was to be used for bill consolidation. I provided all of the requested documents. After waiting and waiting, I phone upstart and they replied back telling me they could not verify information on the application. Everything on application is true and I phone many consumers and no one had called to verify anything about my accounts on application. When i asked what could not be verified, they replied on XX/XX/2021 stating they can not disclose any specific details about the inconsistencies as that is proprietary information. XXXX XXXX XXXX was the name attached to email. I notice the action was taken because of 2 major differences in credit scores in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a XXXX related account that they purchased. XXXX was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: FL

Complaint narrative:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My mortgage was previously serviced by The XXXX XXXX, XXXX. They transferred servicing to Mr. Cooper. My instructions were to send any payments due on or before XX/XX/XXXX to The XXXX XXXX and any payments due after XX/XX/XXXX to Mr. Cooper. 

I submitted my XX/XX/XXXX payment to The XXXX XXXX, per the instructions above. 

Today, I received a harassing mobile app notification from Mr Cooper saying that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX to avoid a late fee. 

I contacted Mr. Cooper support. They insisted that this is my responsibility, and then hung up XXXX ended the online chat ) on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I already have a mortgage through NewRez ( XXXXNEWREZ LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) and back in XXXX I started shopping around for a refinance. I turned down two lenders in order to refinance through my existing mortgage company, NewRez. I was given a loan estimate on XX/XX/ and I've had my closing dates rescheduled for months and my rate lock extended for months. The process dragged out so long that interest rates went up and I had to stick with the loan application I had with them or risk losing the rate I could only get through them due to the rate lock. Then, when I finally did have a firm closing date and time scheduled ( which is Friday XX/XX/XXXX), I'm being asked by a third party handling the close locally to wire closing costs in before the close but I'm 24 hours from closing and I still have not received a closing disclosure and I do not know what the final terms of the loan are or why my closing costs have jumped from the estimated {$3200.00} to {$5500.00} due. I understand that the pandemic has slowed things down but it's taken almost five months to close and for my conventional loan I'm supposed to have my closing disclosure three days prior to close. This company shouldn't be offering refinances or mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I hope all is well I wanted to start off by saying I appreciate banking with you and the over draft protection thank you very much and I apologize this has happen. Im writing because I lost my bank card and I been trying to get an representative over the phone for over a week and every time I call its 25-30 min hold times. I can not waiting on hold that long so I dont know if Im calling in at the wrong time but its like all day through out the day. Im not able to go in the branch due to the virus and I have a XXXX XXXX  and a XXXX XXXX XXXX and Im not risking there lifes or mines. Because it seems like the virus is getting worse not better even though its an vaccine out. I needed a new card mail to me, which one is on its way because I have a check from XXXX the I could of deposit it to avoid the overdraft fees and the return check fee. Its not my fault that is an pandemic thats what caused my fees. I would been had my check my back pay from XXXX if the virus never came is delaying everything and making it hard for me to handle my business due to I cant risk catching the virus or bring my children in places especially my newborn that can wear a mask. This is all a big mess. I really need my fees back like its honestly not my fault and I truly apologize. Once XXXX starts releasing my back pay from 2015 everything will get better. I also talk to them about mailing my check instead deposit it because this wouldnt of happened at all. I just cant go in to the branch to get a new card its too risky so its all the pandemic not my fault. I apologize again. Thank you for your time. Have a wonderful day and please be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
A virus popped on the computer on XX/XX/XXXX, we called the number and gave permission to the people to access the computer to fix it. We then realized that we might have been scammed and the following day called the bank and the credit card companies to let them know not to accept any charges. 100 {$400.00} charges to XXXX XXXX were placed on this credit card on XX/XX/XXXX. The other credit card companies and bank were very helpful but this Barcley 's Visa card didn't do anything. We sent a letter to the company on XX/XX/XXXX to explain in writing that the charges were not authorized by us. They have denied our fraud claims.

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 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
We have setup a Auto payment plan over three times now ( in person and over mail ). We have continued to get billed late fees and charges at which we can not control at this point. We have been billed over {$300.00} extra dollars in late fees after we have tried to fix the problem for two months now. FNB had not been helpful and continued to tell us to just fill out a form and mail it in ( which we have done over three times now ). We now owe more money on a car loan than we started. We thought we could trust in the the bank with the loan set up for us but have been constantly let down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX  was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a PayPal related account that they purchased. PayPal was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.

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 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am permanently XXXX, my only income is XXXX. On XX/XX/XXXX a XXXX Sheriff delivered a wage garnishment to me personally at my home. This garnishment was also issued to a local company construction instructing them to garnish my wages.This situation has caused a great deal of personal stress unnecessary. 

I have NEVER worked for this company, my XXXX has rendered me unable to work, my last paid employment was XX/XX/XXXX. I am very concerned and bothered that Calvary SPV 1 LLC is contacting random companies and sharing personal information about me. 

I would like a retraction of this information and an explanation why this happened. 

This complaint is against : Calvary SPV 1 LLC XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TN

Complaint narrative:
I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have tried on several occasions to have Capital One send the information regarding late payments on my account XX/XX/2015, XX/XX/2015 and XX/XX/2015. According to the law they should send me proof of late payments. According to my records the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TN

Complaint narrative:
There are several inquiries on my report that I did not make. I have been a victim of identify theft in the past and I fear these inquiries may be an attempt to obtain credit in my name. I placed a credit freeze to third party sites 30 days ago and I am still getting offers and inquiries added to my report. There is inaccurate information on my report and this makes me even more vulnerable to identity theft and adverse actions.

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 2021-05-13 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: MI

Complaint narrative:
I received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app XXXX  I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On XXXX21 at XXXX XXXX. I received three text messages saying my Coinbase verification code is XXXX. I found this to be odd because I hadnt had any transactions or authorized any transactions in my Coinbase account in months. At that time I opened my coinbase account to see what was going on and I noticed my XXXX had been sold and multiple transaction were being made without my authorization. Someone had hacked into my account and was selling off and stealing all my assets. I had already lost {$8000.00} and they werent done. I was able to send {$3300.00} to my personal bank account which I thought would be safe but the hackers immediately made a transaction from my personal bank account which was linked to coinbase for {$3000.00}. So I lost the {$3000.00} from my bank also. 
I immediately tried to call the phone number provided by coinbase but had no luck. I found an email option to file a fraud cause, so I did. Fraud case # XXXX was filed on my behalf. The return email stated that they received my email and would reply once they had more information to give and at this time my Coinbase account is locked. I have not heard anything back from Coinbase and are unable to talk to anyone about this case. Ive potentially lost around {$14000.00} and cant gain access to my account to actually see how much damage has been done. Id like to at least speak to a Coinbase representative to know they really are trying to help me. Ive read horror stories since this incident about Coinbase customer service and Im starting to see why there is so much distrust in Coinbase. I need someone to help me with this issue. Im just a blue collar worker trying to invest small amounts of my check each week Im hopes of making some extra money for retirement and its been stolen and I cant even speak to nobody about it. Coinbase is a multi billion dollar publicly trade company with zero customer service. PLEASE HELP! Thanks for your time XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I HAVE HAD ISSUES WITH BMO 'S SERVICING COMPANY FOR OVER 5 YEARS, THIS IS MY 3RD COMPLAINT. 

INITIAL RENEWAL THRY SENT ALL MY PERSONAL INFORMATION TO A LANDSCAPING COMPANY WHICH SHOULD BE ON THE CFPBS RECORD. 

SECONDLY PAST TWO YEARS THEY KEEP ALLOCATING MY PAYMENTS INCORRECTLY, YEAR END, RECIVED NO YEAR END INTEREST STATEMENT. 
CALLED SERVICING COMPANY FOR BMO/ XXXX XXXX XXXX XXXX ON ; Y TO FIND OUT THEY HAVE BEEN AGAIN ALLOCATING MY INTEREST ONLY PAYMENTS WRONG. 
THEREFORE WHEN I WENT TO DO MY YEAR END TAXES, I HAD TO REACH OUT FOR CORRECTION WHICH IS STILL IN PROCESS. 

I BELIEVE THEY HAVE STRAYED FROM BEST WORK PRACTICE, CODE OF EHTICS AND THE TERMS AND REGULATORY STANDARDS OF MY AGREEMENT. 

I REALLY BELIEVE I AM ENTITLED OR SHOULD AT MINIMUM HAVE THIS LOAN FORGIVEN AND OR WITHDRAWN DUE TO 5 YEARS OF NEGLEGENCE, AND THE DISRUPTION WITHIN MY TAXATION RIGHTS, DEPT. OF TREASURY : LASTLT, I RECIVED NOTICE THEY WERE CHANGING SERVICER IN 2020 AND THEY NEVER DID, KEEP SAYING STILL IN PROCESS :

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