vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I requested that Transunion check the information that they reported in reference to my XXXX XXXX credit card for which I am an authorized user. They reported that my credit score dropped due to increased usage. That was not accurate because my usage was at XXXX. Transunion actually removed both XXXX XXXX accounts from my credit report, one open and one closed, which made my score drop even more. I never disputed the accounts so they should not have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
Several entries were left on the credit reports after two formal written notices regarding the erroneous items that are seemingly the results of identity fraud. 

The information was disputed again and has not been verified. 
The credit bureaus ( XXXX and Experian ) have openly admitted on a recorded line that they do not have a contract that was required to be on file within 7 days of reporting the erroneous information. The communications repeatedly lead to nowhere and are causing undue pain, XXXX and suffering as a result of the derogatory information found in my credit reports and resulting inability to get the financing that I need. 

I have the notarized copies and certified mail receipts for each interaction and would like to exercise my right to take legal action if the matters are not resolved.

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 2020-07-02 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: TX

Complaint narrative:
Several entries were left on the credit reports after two formal written notices regarding the erroneous items that are seemingly the results of identity fraud. 

The information was disputed again and has not been verified. 
The credit bureaus ( TransUnion and XXXX ) have openly admitted on a recorded line that they do not have a contract that was required to be on file within 7 days of reporting the erroneous information. The communications repeatedly lead to nowhere and are causing undue pain, stress and suffering as a result of the derogatory information found in my credit reports and resulting inability to get the financing that I need. 

I have the notarized copies and certified mail receipts for each interaction and would like to exercise my right to take legal action if the matters are not resolved.

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 2020-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One failed to report my account to XXXX which is in excellent standing causing my XXXX  score to drop from XXXX to XXXX. I sent them a FCRA notification on XX/XX/XXXX. I was assured by Capital One their mistake would be corrected. That mistake has never been corrected to this date. 

Yesterday ( XX/XX/XXXX, I checked my credit report with XXXX. The same thing has happened again with Capital One failing to show my excellent credit history with Capital One which has again damaged my XXXX score from XXXX to XXXX. 

I have sent Capital One a FCRA letter demanding them to correct their mistakes within 10 days or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
This just appeared on my credit today. I never received a written notification of the debt to dispute. The company is collecting a debt I do not have a balance for with XXXX XXXX as they have confirmed this. Also this company is re-aging to make it seem current this was from XXXX. 
For a XXXX visit and XXXX XXXX said insurance paid my bill I do not have a balance due for XXXX XXXX XXXX. Also this is the second time a fraud company has tried to collect this same XXXX balance debt. I contacted a lawyer and they said this company is a scam and to report them to the fbi.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX failed to report my account to XXXX  which is in excellent standing causing my FICO score to drop from XXXX to XXXX. I sent them a FCRA notification on XX/XX/XXXX. I was assured by XXXX XXXX their mistake would be corrected. That mistake has never been corrected to this date. 

Yesterday ( XX/XX/XXXX, I checked my credit report with Experian. The same thing has happened again with XXXX XXXX failing to show my excellent credit history with XXXX XXXX which has again damaged my XXXX score from XXXX to XXXX. 

I have sent XXXX  XXXX a FCRA letter demanding them to correct their mistakes within 10 days or I will take legal action.

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XXXX, pnc has made changes to their banking and accounts preventing me from linking services toy account to receive money from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX XXXX and XXXX company named XXXX XXXX ( the Company ). Money was transferred from my account to the Company via a bank wire for a total amount of XXXX, XXXX. XXXX XXXX  utilizing Kraken Payward Ltd`s services.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Refinance of mortgage with interest rate originally at 2.75 %, closing disclosure docs sent had cash to borrower {$1200.00} higher than what we received ; this was after we asked the interest rate to be dropped to 2.5 %. The drop in interest rate should not have affected our closing costs or cash to borrower total, as we were told that we had the ability to request a rate decrease at any point during the application process. Since the increase in closing costs occurred after our request to reduce the rate, and this was not disclosed to us XXXX we did not receive the updated Closing Disclosure ) before closing, we feel NFCU was not forthright in disclosing the costs of the loan XX/XX/XXXX - email from processor stating closing was scheduled for XX/XX/XXXX. Closing docs were sent via on-line banking ; the closing disclosure showed {$58000.00} cash to borrower with closing costs of {$4400.00}. 

XX/XX/XXXX - I emailed processor asking rate to be changed to lower interest rate of 2.5 % XX/XX/XXXX - processor emailed stating rate had been lowered with same discount points and origination fee XX/XX/XXXX - Closing date scheduled for XX/XX/XXXX XX/XX/XXXX - I left voice mail and sent email to processor stating that updated closing docs had not been received and that our closing was scheduled for XX/XX/XXXX. XXXX was an email from processor stating she didn't know what I was referring to. This was over the weekend and our closing was scheduled for first thing Monday morning. 

XX/XX/XXXX - at closing, Closing Disclosure showed cash to borrower {$57000.00} with closing costs of {$5600.00}. The majority of the difference was found in the lender credits ( section J of Closing Disclosure ) ; disclosure sent XX/XX/XXXX showed credit of {$1200.00}, disclosure shown to us by attorney at closing on XX/XX/XXXX showed {$53.00}. 

At closing we contacted Navy Federal Credit Union for clarification, the processor could not explain the difference to our satisfaction. After speaking with a supervisor, she stated that this had been a system error on the disclosure that was sent to us on XX/XX/XXXX and she was not sure why we had not received the updated disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Purchased some crypto currency using an address from my coinbase wallet. Horrible customer service. Still trying to get a useful response from coinbase after 25 days of repeated attempts. Case # XXXX I am not alone with this problem 100 of people accross the USA and around the world have fallen victims of this fraudulent company which has its head office in XXXX  XXXX XXXX. 
Here are some of the key players at Coinbase you can contact : XXXX XXXX CEO XXXX XXXX COO XXXX XXXX Head of Engineering Will Conder Recruitment XXXX XXXX Global head of belonging Inclusion and experience XXXX XXXX Director of Product management

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
We recently refinanced with Freedom Mortgage. We attempted to close on three different dates. The last two times, we received the closing disclosure ( CD ) less than 3 days before closing. The final time, we received the CD on Monday evening ( at approximately XXXX ) and closed on Wednesday at XXXX XXXX. On multiple occasions I complained about this process and was told that it is very common to receive the CD the night before closing. I was upset because the CD has been incorrect a few times. Providing us the CD at the last minute prohibited us from disputing or even questioning any figures prior to closing. I brought this concern to employees at Freedom Mortgage during multiple phone calls on a recorded line. Both Freedom Mortgage and XXXX XXXX XXXX said this was a common practice. I am confident they are intentionally violating the 3-Day Rule so that customers can not properly vet their documents. 

Note : My wife, XXXX XXXX, is not on the loan but handled the vast majority of transactions/details of this refinance. She is listed below.

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 2020-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
I settled with Arcadia Recovery Bureau on XX/XX/20 in the amount of {$140.00} - with the agreement that they would close the account. On XX/XX/20 Arcadia Recovery Bureau reported to credit agencies that the account is still open and I owe them {$23.00}. 

Arcadia Recovery Bureau said they would email me a confirmation email - which they never did ( I even checked junk ). The confirmation # is XXXX. 

There is a pandemic and economic crisis and there is no excuse for these sick games.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This account is over XXXX XXXX XXXX and should not be reported on my credit report. Appealed to the big three credit reporting agencies and company stated it was valid debit. Portfolio Recovery for XXXX dollars. The account was with XXXX Credit Card, then they sold it to XXXX XXXX and took away all my credits on my card XXXX like XXXX purchase credits XXXX Zip gone,. then sold it about XXXX or XXXX more times. Now Portfolio Recovery are claiming ownership. Its time to clean this off my credit report, its been over XXXX years and past statutes for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
They TransUnion told me the information is accurate but it can't be. I feel they don't have all the information as the other credit bureaus and it's causing me to not be able to find housing because every housing pause from different credit bureaus and this is hurting me.

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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On the initial application a XXXX Representative, XXXX XXXX got my XXXX wrong he tried to get my credit report and claimed it was wrong on the application, but it wasn't because I kept a copy. Due to this incompetence, I requested another representative. When I requested another representative, XXXX responded " I think it's better if we end the application now. So, I asked for a supervisor. Never spoke to a supervisor, but was given XXXX XXXX. Through the application process, we have been asked over and over for the same information. Some information, I offered in the beginning of the process XXXX said they didn't need only to follow up with a request for the information repeatedly. A recent request asked for legal documentation of my wife 's social security, I'm sure it's because she is XXXX and we are a mixed race couple. My credit score is in the excellent range and my wife 's score is in the very good category. Our loan to debt ration is around 21 % and we are merely trying to get our mortgage refinanced to get rid of the mortgage insurance and a better interest rate. Our loan is currently with Wells Fargo. At this point, I want to terminate my application with Wells Fargo and receive written documentation that they have destroyed our information. Due to discriminatory practices.

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 2020-07-02 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I am unable to reach a person at Chex Systems to check the status of my dispute claim. Chex Systems does not offer an email address and their phone system is only an automated menu. Attempts to reach a representative result in " No representative available at this time '' despite the fact that their website says representatives are available during the times in which I call. It is therefore impossible to request a Description of Procedure Used to Determine Accuracy of Disputed Information and Notification of change both of which are rights guaranteed to me by FCRA.

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I want to link my PNC account to my XXXX  account and PNC will not let me link my account. My account was linked and I was able to earn interest on the money that I automatically put into My XXXX account. PNC stopped this feature therefore I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This account showed up on credit report was not there last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In the month of XX/XX/2020. I called multiple times to have the Holds released from my account. 

I previously had a three month forbearance on my account that was Paid in Full on XX/XX/2020. 

Since that time I have Paid my Mortgage on time for the months of XXXX XXXX and XXXX. 

On XX/XX/2020 I wrote a letter to Bank if America asking them to release the hold on my Account as I have paid the forbearance and need No further assistance is needed.

Its been more than 60 days and Bank if America still has my Mortgage Account assigned to the Home Retention Department. 

After I mailed a letter requesting my mortgage account be released, I received a letter from Bank of America dated XX/XX/2020 saying my name is XXXX XXXX and she is my customer relationship manager. She further states she is here to help me pursue options with my home loan payments. 

I am Not behind my payments have been paid in time after the forbearance that ended XX/XX/2020. While in the forbearance only one payment was late due to Bank of America losing the payment and processing it late. 

My account number is XXXX. My name is XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX GA. 

There is no reason for Bank of America to hold my account hostage since the forbearance has been paid. 

This hold has a negative impact on my account. First and foremost I can not make payments online and other things. 

This is the Fourth request Ive made to have All holds removed from my mortgage 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 2020-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This account showed up on credit report was not there last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On the dates of XX/XX/2020, XX/XX/2020 and XX/XX/2020 I submitted a credit dispute to XXXX, Experian, and XXXX  detailing the false and inaccurate reporting by XXXX XXXX XXXX across all three of my credit bureaus. 

Experian refused to open the investigation request. XXXX  and XXXX   did not resolve the request.

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 2020-07-02 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: OH

Complaint narrative:
I am writing to try to explain that my existing complaint I have filed against Equifax is the same problem Im talking about my complaint number is XXXX if you look you see im complaining about equifax and there negligence in fixing a problem with being able to physically see my report it appears blank w no info about my credit history. Equifax replied to tell me there investigation will take time due to having to contact my creditors to validate the info there reporting? Its not the entire issue I hired a company to dispute my negative items I NEED EQUIFAX TO FIX THERE ISSUES OF NOT BEING ABLE TO SUPPLY A CURRENT ACCURATE REPORT NOT MY CREDITORS BUT EQUIFAX YET AFTER SEVERAL PHONE CALLS EXPLAINING THE ISSUES THERE STILL NOT NOT ADDRESSING MY ISSUE. HOW THE XXXX DO I GET TO SEE WHATS ON MY REPORT SO I CAN DISPUTE IT. EQUIFAX HAS A GLITCH W MY REPORT. THEY CANT FIGURE OUT THE ISSUE BUT MY REPORT THEY PROVIDE IS USELESS BECAUSE ITS BLANK .. FIX THE PROBLEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Charges were charged on my credit card without my permission and the credit card Bank of America is making me responsible the charges. I disputed these charges more than six months ago and as of XX/XX/2020 they have put the charges back on my account ... My credit card is in good standing.

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