vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to get all 3 credit reports, two were successful but Transunion 's process is futile. The system claims they can't verify me, they give a phone number to call but the computerized system doesn't acknowledge the word " REAR '' in my address and it continues to loop around asking the same question over and over and over. I simply want a copy of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: NY

Complaint narrative:
Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received an email on XXXX from TIAA saying that my mortgage was not yet paid. I did not have time to deal with it since I was dealing with a death in the family. But on XX/XX/11, I got online to check if payment was made. I make my payments using Epay through my bank, XXXX XXXX XXXX. We were able to confirm that the payment was received and reconciled on XXXX at XXXX. I will attach the receipt. 

When I go online to check my account, it continues to show that I owe my mortgage for XX/XX/XXXX. When I call, they give me automated voice message that says my balance is XXXX so which is it? 

I have tried to contact them using this number - XXXX but there is no option to hold for a rep ; it just takes you to an option to get a 1098 statement. And if you try and press 0 or # or * ( options that usually take you to a rep ), the system hangs up on you. 

This is TIAA Bank and they have always had horrible customer service but now, you can not even get through. How can a large bank get away with treating their clients like this? I am a consumer trying to make sure my payments are made timely and they cant even provide a good phone number to make that happen. These guys just need to be sued and shut down ; they are the worst. This is frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: IL

Complaint narrative:
I disputed in XXXX unauthorized inquiries and one account that is not mine. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
After an email and text message from Experian notified me of a change to my credit score ( XX/XX/21 ), I reviewed it on their app. My score was lowered 38 points for reasons no one at Experian could explain. Nothing in my credit history has changed. After being transferred from one department to another ad nauseam, I initiated a complaint. There have been no updates, notifications or even acknowledgement of receipt of the complaint since the XX/XX/XXXX filing date. I checked the Experian App recently and discovered my credit score for XXXX had been lowered 21 points. Instead of wasting my time dealing with Experian again, I called XXXX directly and was informed that my score had not been lowered by them. Also that Experian uses a different formula or algorithm to determine credit scores. So there is one score listed for XXXX on the Experian site and another one that is higher on the XXXX site. To me, thats unbelievable. Especially since Experian had no explanation for the drop in my score and after sending me around in circles to get an explanation actually suggested I enlist the services of a credit counseling agency that could explain why the score they reported was reduced 38 points. So, I need to pay an outside agency to explain why Experian took this action! Preposterous to say the least. Do you oversee such shenanigans? 
Another issue Im raising is the fact, Experian bombards me with credit card offers presumably to increase my available credit limit. This seems like a conflict of interest to me. 
Its unfortunate I have to enlist your assistance to deal with an issue Experian originated but can not or will not explain. It smells of a certain arrogance by Experian since they are regarded as a leader in the industry. I sincerely believe this would be totally unacceptable from some other credit reporting agency not fortunate enough to share the status of Experian. 
Thank you for your time. 
XXXX XXXX

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
Good day, I am a XXXX citizen but opened a cross-border bank account with TD Bank around XXXX, XXXX. 
I initiated a transfer from a colleagues XXXX account to my TD Bank account for around {$17000.00} USD. 
Every week proceeding the opening of the account I would go to the branch to find a reason as to why my money is on hold and why my account is frozen. 
The cross-border banking agents for TD Bank would then lie to me over 2 months saying my XXXX form was filled incorrectly. 

After the 10th time I submitted that form and wasting time at the branch, I was finally told my account has been " demarkated '' around XXXX, XXXX. 
I have then wasted counted hours/days on the phones with TD Bank customer service and their cross-border banking team with no progress at all. 

They have held my money ever since and I have since given up hope of ever seeing my money returned to me. 

Any help would be most appreciated, Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have asked repeatedly for Portfolio Recovery to provide documents about my debt. I am unable to dispute anything which maybe incorrect with out the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: IL

Complaint narrative:
I disputed in XXXX unauthorized inquiries and multiple accounts that are charged off which are wrong and another account that does not belong to me. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

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 2021-05-12 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: CA

Complaint narrative:
The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX I ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX XXXX XXXX ( XXXX  ) 0XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX EQUIFAX MORTGAGE XXXX ( XXXX ) XX/XX/XXXX EQUIFAX XXXX ( XXXX ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: VA

Complaint narrative:
I moved out of XXXX XXXX XXXX  in XXXX, XXXX I gave 2 months notice provided my new address. The end  of my lease was XX/XX/2021. I moved out XX/XX/2021. 

Started getting calls XX/XX/2021 from XXXX XX/XX/2021 XXXX did not answer, missed call XXXX I did not answer call, at work 2 seconds  XXXX XXXX kept saying hello, no one answered hung up after 47 seconds XXXX XXXX women asked for XXXX, said that my number was the number she always contacted her at. told her I had, had the number for 15 years. She asked me if I knew XXXX. I said no and said I did not live in XXXX anymore. 

XXXX 2 min talked to debt collector person, said I owed a {$54.00} utility bill from XXXX XXXX XXXX XXXX I told her I had not recieved a bill ... she told me I had to pay now, I told her she sounded like a scammer. To quit calling me and that I had never received a bill. Told her to XXXX XXXX and hung up. I had drank 1 beer and was tired. 

XXXX I called back got the answering system. IQ Data. 

Received a call XX/XX/2021 at XXXX XXXX from IQ Data a 3rd party collections agency. 

Asked why she was spoofing an XXXX phone number. Asked her where she was actually calling me from .She finally said Washington state. 

Asked when the debt went delinquent, why I had not received a bill. 
XXXX said she did not have to tell me anything. 
Yelled at me that my move out date was XX/XX/2021 so therefore my debt was delinquent. Didn't I give them a forwarding address to send the bill to? I said obviously I had since in both calls she sited my new address ( XXXX XXXX XXXX, XXXX, XXXX XXXX I asked when the due date was. She went back to my move out date. 
Told her I had not received a bill. 
I told her I had email the complex to find out what was going on. She told me they would not help me since I owed them money. 
She would not tell me details. Threated to ruin my credit Told her not to call me again, they could send me the information via USPS. I asked her to quit calling me several times, the last pointing out the law. Finally hung up on her. 

I felt threatened, I have a very good credit score and this is feeling more like a scam. 
XXXX XXXX nor XXXX XXXX XXXX XXXX have not replied to my email request. They normally did not when I lived there. 

I would love to turn them and XXXX XXXX holding into the XXXX XXXX XXXX but both are in different states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: MD

Complaint narrative:
Equifax has erased all but one account from my report. This is effecting my life in a major way. It happen in XX/XX/2019 and I have been trying to get them to add my accounts back on them every since. The accounts are being reported by the lenders however due to a technical error those accounts are not showing up on my Equifax report. I have contacted Equifax about the one the last 2 years but this is still a problem please advise. and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CHECK INTO CASH INC.
State: OH

Complaint narrative:
This showed up on my credit report on XX/XX/2021, in the amount of {$1700.00} from some company by the name of XXXX XXXX By Phone. 

In XXXX, someone attempted to file unemployment in my name, also NOT me, ( I work for XXXX XXXX in XXXX Ohio and was notified by my employer someone had fraudulently filed for unemployment on my behalf, I filed a police report ). 

I'm not sure if someone had gotten the above loan by phone in my name or not, however, this was NEVER my loan, I've never gotten a loan like this. I've tried disputing it to no avail. 

I will NEVER pay something that's not mine, however, it has impacted my credit score. 

I need this removed from my credit, I've tried contacting the company at XXXX and they keep hanging up on me, which just screams scam. I'll call, they get my name and email then put me on hold while they " transfer '' me and that's when the call drops, I've tried a dozen or more times to get thru and each time that's what happens. 

This is most definitely a fraudulent charge and I need it off my credit. The dispute I filed thru the credit bureau came up with nothing. 

I don't understand how someone can do this and it affect MY credit and nothing happens to the scammers involved in getting a loan with my stolen identity. 

Thank you so much for any help you can give XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
I am a victim of identity theft and did not make the charge.I ask that the following inquiries be removed on my file. I would appreciate if these inquiries are deleted as soon as possible as its stoping me from progressing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding
State: CO

Complaint narrative:
I started a refinance for my single family home with XXXX XXXX at EN Trust Funding out of XXXX AZ & paid {$750.00} out of my own pocket for the appraisal. I decided to go with a different lender & XXXX is refusing to transfer the appraisal to my new lender. XXXX also tried to get me to sign a loan document after I told him I was using a different lender by having someone in his office send me the DocuSign to sign for the refinance. I feel he was trying to trick me to sign with him because when I hit reply all his name came up he had XXXX copied himself. Because if I saw his name I would not have even opened the document to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
i sent a FINAL payment on a loan from Coinbase, paying them back on their own website.It just so happens that when i clicked on the make a payment key, nothing happened for like 2 minutes, and i thought maybe i didn't click hard enough on the keyboard, but it turns out i did, and a payment for U {$620.00} went trough, instead of my click take me to the next step forward, it took another payment?! Imagine if i had clicked a few times? 
It is not acceptable for a site of that financial magnitude to have that happen on their site, whoever designed that ... .WHEN YOU CLICK MAKE A PAYMENT IT SHOULD NOT ALLOWED ANYTHING ELSE HAPPEN, EVEN IF YOU CLICK ON IT AGAIN, ONE CLICK, ONE ACTION, NOT 2/3 CLICKS 2/3 PAYMENT?! XXXX?! 
so because i canceled a payment with the bank, after not hearing at all from their non existent customer service depot ( there is no phone number or a human " customer service '' representatives, for a XXXX XXXX dollar company?! ) So Coinbase decided that they should sell some of my assets, for a THIRD payment, on something that had been paid off weeks prior. and STILL AFTER 6 BUSSINESS DAYS OF THE PAYMENT ARBITRARILY MADE BY THEM SELLING MY ASSETS, on top of the 2 payments i made, I STILL HAVE NO ACCESS TO MY ACCOUNT, AS T HAS A " PENDING '' STATUS, NOT SURE WHY, SINCE THEY HAVE BEEN PAID 3 TIMES ALREADY, AND IT HAS BEEN OVER 2 WEEKS OF THE INITIAL XXXX ....?! 
WHY THERE IS NO REGULATION ON THAT COMPANY THAT JUST WENT PUBLIC WITH NO CUSTOMER SERVICE TO SPEAK OF? HOW IS THAT POSSIBLE?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called the company to dispute a fraudulent inquiry on my credit report and o one wants to remove it the date of the inquiry is on XX/XX/XXXX of 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express won't refund a charge for {$410.00} made to XXXX for a phone that does not work in the United States because it was stolen. The serial number comes back stolen and as a result XXXX XXXX XXXX will not activate the cell phone and suspended my cellular telephone line. The purchase was made around XX/XX/2021 and disputed XX/XX/2021 dispute ID XXXX XXXX last 5 of card # XXXX XXXX. The dispute started as a conditional credit but the credit keeps getting reversed. I want the credit permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: National Credit Systems,Inc.
State: KY

Complaint narrative:
-late rental payment ; landlord refused to accept rent -manager states we will only take your money once you move out -forced eviction -finally agreed to a settle offer and paid a reduced amount on or about XX/XX/2020 -neither the credit collection agency or the property management company would update my account status with the rental bureau would list my payment or that the account had reached a settlement offer. 
-I have had the account paid for over a year and it shows no payment as a result nobody in my area will rent to me, thereby leaving me XXXX  and sleeping in my car. 
-in my area if you have an eviction on your rental history nobody will rent to you. 
-this agency has from the time of eviction to the present date has shown an continuing form of housing discrimination and they need to correct my status and be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, On XX/XX/XXXX at XXXX XXXX, i went into the Chase bank located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I wanted to deposit XXXX  dollars in cash into my friends bank account. I supplied a deposit slip which included the account number and all information needed to make the deposit. I was instructed by the teller after he requested my license that i could not deposit the cash into my friends account. 
I have never heard of that before. I was instructed that only the owner of the account could make deposits. Is this accurate? I have deposited money into other accounts in the past and never had any issues. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation