vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I leased this vehicle XXXX of XXXX. I hit a rough path in which i fell behind on payments. However i always remained in communication with ally in regards to payment arrangements and have made every arrangement. At the start of the lease the car was repossessed in XXXX. In which the car was picked up the same day the car was taken. The car was taken around XXXX it took a few hours for the car to come in the system so i can get the pricing of the amount needed to get the car back and the steps needed. I submitted the payment via XXXX money transfer as instructed collected the car within 4 1/2 of the car being taken. Once i collected the car i stayed up to date with my payments. For almost a year payments werent reflecting on my report after months and months of waiting for my report to be updated with on time payments, after being promised of 3 late payments being removed from my report none happened. Now fast forward to XXXX of XXXX it showed on my report as if i havent made any payments since the car was taken and redeemed no body could give me any answers after multiple investigations submitted to ally through customer service and hearing someone will contact you within 5-7 business days Id call back and they stated no claim was submitted and would tell me theyll Make sure they submit it. After about 5 months of trying to get my credit report updated they finally updated it however now i have redeemed & repossessed showing on my record when the car was even gone longer than 5 hours the total amount was paid in full. The report was updated with on time payments showing and since then no payments have been added to my credit report everytime i contact ally its a bunch of excuses and stating covid is the reason for the delay and theyll manually update my reporting but that has yet to be done. My lease is up in XXXX of XXXX and now its hindering me with these negative reporting and no payments showing on my report to get a new vehicle. Ally can never seem to rectify these issues. Ive contacted and talked to numerous supervisors that stated theyll get everything escalated and that they understand my frustration but yet nothing has been done in regards to this matter. Once i got back to my steady job payments have been on time if not made early making payments in advance. This is ridiculous that i have to take these measures to get everything situated

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 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I set up a Coinbase account a little over a year ago and was locked out of my account with around {$50000.00} and an open trade position on XX/XX/2020, which is a month and a half ago as of writing this complaint. 

When I first noticed the issue, I tried calling Coinbase customer support and found that it was a recording that tells you to submit a request through their website as there was nobody to speak with. I submitted a request through the website on the same day ( XX/XX/2020 ). The only message I got back was an automated email saying their team was working on the issue. After several days of hearing nothing back, I tried responding to the email and received another automated email saying the case was closed and if I had further questions to submit another request through their website. There was no explanation and no access to my money. 

I submitted another request and had the same experience. Since the date my access to my money was cut off I have submitted around 15 requests, tried contacting numerous times on XXXX, XXXX, XXXX, etc. and all of my attempts to contact them have been ignored. I did some research online and I was shocked to find thousands of other people who are experiencing the same thing as I am, as well as they have received XXXX requests in 6 months from FBI, ICE and other agencies according to XXXX XXXX and many other reliable online sources. This is a link to one of many articles that I found https : XXXX This is literally the worst customer service experience I've ever had with any company. This money was my life saving and I have had to pay my bills with credit cards as I have no access to my money. This has put me in a very difficult situation financially. It's almost XXXX and I have a wife and XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
Today XX/XX/XXXX I was contacted by XXXX XXXX from a XXXX and asked me my name I told them and they asked me my last four of my social I gave it to them he then got nasty with me and didnt tell me how much the debt was when I asked and told me I have to pay a loan back that I never took out I told him I never took out a payday loan Im on XXXX and he said from check n go in XXXX and that I used a XXXX XXXX  account to do so I said I closed those accounts in XXXX so it wasnt me that took out the loan. He then said ok we are sending out a supeona for court to have you arrested for non payment. I said ok he hung up. I called XXXX XXXX and I had closed my accounts with XXXX on XX/XX/XXXX XXXX  and XX/XX/XXXX he never stated when the check and go loan was taken and I never signed or took out such a loan in my name. I looked onlineat check n go and it said I had a loan for XXXX through check in go on XXXX but I closed my bank accounts through XXXX XXXX onXX/XX/XXXX so Im also confused how there is a loan in my name. Other than a x husband who I have a cpo in place for telecommunications harrassements and severe XXXX he even posed as me and used my child support card number for online purschases while out of out home without permission I have no clue how the loan was taken out or who took out a loan from their company. Please help Im scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter to the credit bureaus regarding several inaccuracies that was on my credit report. This maybe due to my information being compromised in the XXXX Data Breach.I have asked for a resolution and have yet to receive a response. It has been more than 60 days. I feel as if my concerns are being ignored by these bureaus. I understand that in Section 611 ( a ) states, failure to investigate these items within 30 days give reason to immediately remove the items from my credit report. It has been 60 days and no response. I demand these accounts be removed immediately or I will file for litigation.

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 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I have been trying to verify third party with PrimeLending the construction payments I made to them during my loan with them for construction since they don't report it to the bureaus. I have sat on hold for longer than an hour with the third party verifier which refused to stay on hold longer. I need a REAL LIVE PERSON to ANSWER A PHONE with MY OLD ACCOUNT INFO so we can close on our refinance transaction. I was on hold yesterday for 20 min with the third party verifier before we gave up. Today I was on hold with the third party verifier for 1 hour and 20 min before the 3rd party verifier asked if we could try again tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from Experian, XXXX  or XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did Experian, XXXX  and XXXX  receive my reinvestigation request/dispute letters on the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

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 2020-12-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a duplicate of the complaint filed with the Controller of the Currency, Case No. XXXX, and transferred to your agency per XXXX letter dated XX/XX/XXXX. 
I have been having problems with the accounting for my mortgage loan starting in XX/XX/XXXX when the bank reanalyzed my escrow account. I received a letter dated XX/XX/XXXX advising me of my options going forward. I elected to pay in full the shortage of {$840.00} and made that electronic payment on XX/XX/XXXX, far earlier than the cut-off date of XX/XX/XXXX. About this time B of A changed its data processing system. I have been making the regular monthly payments early ( too early, in some cases, I was told ) and have also been making additional payments ranging from $ XXXX extra to be applied to principal during this time period. All payments have been made through my Chase on-line banking program, and copies of the transactions were sent to B of A. I have had multiple calls with various representatives, and visited the local branch in XXXX, WA on XX/XX/XXXX and met with the branch manager XXXX XXXX. At that time, he told me he had several customers who were having similar problems. He waited in a phone queue for approximately 45 minutes, then he had a speakerphone conversation with the representative and generated a service request XXXX. Nothing effective transpired. I have had repeated dunning letters and calls and e-mails, which in each case I followed up, explained the problem, and received effusive apologies from the representatives. This was repeated most recently about an hour ago, XXXX XXXX PST on XX/XX/XXXX, when I spoke with XXXX XXXX. She promised to escalate the problem once again. I have received a copy of the transaction ledger from B of A, and the transactions bear little similarity to my payment history as documented by XXXX. My most recent payment was due XX/XX/XXXX and is currently showing as overdue according to the bank 's on-line banking system, confirmed by an e-mail from B of A I received yesterday ( XX/XX/XXXX ) and the phone call message I received at XXXX XXXX last evening which generated my call to Ms. XXXX. The XX/XX/XXXX payment was originated on-line on XX/XX/XXXX and showed paid on XX/XX/XXXX. I made an additional payment to principal in the amount of {$3000.00} on XX/XX/XXXX which was delivered on XX/XX/XXXX and is also showing paid. I have also sent on-line messages through the banks message center. I also sent a handwritten letter as an e-mail attachment to XXXX on XX/XX/XXXX. I have been diligent in responding to the Bank, but the problem persists, thus this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX, TransUnion or XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX, TransUnion and XXXX receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

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 2020-12-01 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX, XXXX or Equifax. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX, XXXX and Equifax receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I disputed this confined fraudulent collection debt of {$5500.00} to the XXXX XXXX of XXXX and XXXX to which it was reported on. ( XXXX removed the fraudulent collection debt which i will provide documents of ) when i took action but XXXX however is very unlike with their processing systems and creditors monitors for fraudulent alerts like this current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PR

Complaint narrative:
I have in my credit report a XXXX Account in the amount of {$3400.00} that does not belong to me. I tried in various occasions to report and / or dispute but its still appear in my credit. As of today, the account is under XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have paid in {$5000.00} to Coinbase account on Friday XXXX XXXX. After purchase of Bitcoins the same day Coinbase locked my account and Im not able to convert my funds back to USD. No one I responding to me for over a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: IN

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that don't even belong to me I am including a letter to explain about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My insurance has been cancelled for my home as of XXXX XXXX. It is supposed to be paid by escrow. It was originally due XX/XX/2020. I have spoken with and have sent muliple emials to escrow. My insurance company has spoken with them. Escrow tells me that they need the correct policy information, but they will not tell me what it is. They say they have told XXXX, but after speaking with XXXX, they in fact do not know. They refuse to tell anybody what it is that they need. {$490.00} is currently owed. {$480.00} for the insurance and {$10.00} for the late fee. I have paid all of my mortgage payments with this company and they are up to date. I have provided them with a copy of my marriage license because my maiden name is still on the loan, I have provided them with a copy of the letter stating the XXXX address change, and I informed them by phone that there is a new policy number due to the fact that this property is now a rental. We moved into a home we inherited and my stepchild moved into the property in question.. This same situation happened last year and my insurance didn't end up getting paid until XXXX of this year for last year. I sent my marriage license over when the last invoice was due. It was supposed to be taken care of then. Here we are again. I can't get through to anybody who is willing to help me and they are refusing to pay my insurance with my money!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Ive recently gone into a Chase banking center in XXXX, GA to begin applying for a HELOC. They told me they are not accepting/processing HELOCs. It is a product they are currently not offering. 

This information is also available on their website : XXXX XXXX XXXX According to the Federal Reserve , this is unheard of. The Fed is saying there is no concern for regulated banks to provide secured loans at this time, especially HELOCs which is backed by the amount of equity in the property. 

Being the largest bank in the US why is Chase taking this stance and is it legal. The Federal Reserve is unaware of any bank taking this action, especially Chase.

Company response to consumer: Closed with explanation