vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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 — Problem with personal statement of dispute
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender this was ran through a third-party without my permission for these particular company thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Someone opened a account with XXXX XXXX in my name and borrowed money, in the amount of {>= $1,000,000} in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc.

Complaint narrative:
In XX/XX/XXXX I opened a cryptocurrency account with COINBASE and bought : Ethereum XXXX ETH on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I hadn't had any problems until XX/XX/XXXX I received an email saying my account was under review for a few days. Time passed and the account status did not change. I could not trade, buy, sell, assign a payment method. I have made numerous complaints to the COIBASE support service sinceXX/XX/XXXX, I have even sent again, verification of documentation required for my identification without any favourable result. I open the incidents, they reply automatically saying that they receive the case, but they close it without resolution. And so on and on and on until now. The last request has been XX/XX/XXXXand the case has been closed XX/XX/XXXX with the same answer, closing the issue and it hasn't resolved ( Case # XXXX ). This is because i'm writing to you. 

I have many cases closed : Case # XXXX, # XXXX, # XXXX, # XXXX and more. 

Could you please mediate, so that I can sell my cryptocurrencies and recover my investment? 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
FILED A COMPLAINT WITH CITIZENS BANK OFFICE OF THE CHAIRMAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX R.I.XXXX # XXXX. 
RECD A REPLY ON XX/XX/2020 FROM XXXX XXXX XXXX THEY REPLIED ALL OFFERS REC.D AT MY ADDRESS WOULD BE HONORED BECAUSE THEY HAD NO EXPIRATION DATES. 
WHEN I TRIED TO REDEEM MY LAST OFFER I CALLED XXXX SEVERAL TIMES WITH NO RESPONSE. WHEN TO THE LOCAL BRANCH AND SPOKE WITH XXXX XXXX AT XXXX XXXX XXXX MA XXXX XXXX. HE OPENED THE CASE AND I HAVE HEARD NOTHING SINCE. XX/XX/XXXX. WHY HAVE THEY REFUSE THEIR COMMITMENT. 
XXXX NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 



XXXX  1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft ALLY FINANCI Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.

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 2021-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 



XXXX 1. Identity Theft BK OF AMER Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine.

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 2021-08-16 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: MS

Complaint narrative:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I called the customer service phone number and they say my account has a restriction that is causing a problem.i have completed the request documents and I still have a blocked account witch is preventing me from obtaining a new card sent to my new address .they deactivated my old card then told me they couldn't issues another one until my restriction has become removed.its been a week since I sent the documents and still nothing. I called XXXX XXXX XXXX and was told to submit a XXXX .I submited the documents and they still have my account on block with the restriction

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 2021-08-16 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I contacted the the servicer in XX/XX/2021 about them incorrectly reporting that some of my loans were reporting as late in the past. They had recently fixed some of their other errors on my reports but did not fix them all. They refuse to fix their errors and have not been responsive in the past to keeping me informed of the status of my loans. They now will be dropping my loans at the end of this year and I fear that their errors will never be able to be fixed which will adversely effect my financial life. Please contact them to get these erroneous late payments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
They call me twice a day to pay my credit card that I never received. I told them to stop calling and blocked them, but they leave 2 messages a day! My payment is not due for another weak, leave me alone!

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 2021-08-16 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: PA

Complaint narrative:
I filed a dispute against XXXX for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it XXXX that you have on file and I also requested XXXX to Provide a copy of my signature with the provider of service to release my medical information to XXXX. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/XXXX. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is 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 2021-08-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
I have EXCELLENT banking history. I have NEVER written a hot check and my account is well established ( 12 years old ). I tried to write a check at XXXX in XXXX, Tx and was denied. It was embarrassing and I had to put my groceries back because I did not have another form of payment on me at the time. I reached out to Certegy Payment Solutions for an explanation as to why my check was denied and they said " check number, dollar amount, check-writing history or other transaction details. '' They also noted that there were no outstanding items and/or proof. Yet, I am not allowed to write a check for what is clearly a mistake on their part. 

I have reached out to them directly by mail to investigate and clear my name. However, I was told to submit this claim. 

Please help me - they are holding me responsible for inaccurate information.

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 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I filed a chapter XXXX bankruptcy and my auto loan was included in the bankruptcy my Bankruptcy discharged and I was never notified from GM what needed to be done and they repossessed my vehicle without calling or sending me any correspondence I reached out to them and the rep stated by bankruptcy discharge was denied and that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$3000.00}

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 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I have looked up number belongs to Ad Astra Recovery. They have called my job twice now on XX/XX/XXXX and XX/XX/XXXX asking to speak with me. I am not able to take personal calls at work, let alone staff trained not to give out personal information in regards to if we are there. This number was calling my cell repeatedly last month but never once left a message. Because number is not a recognizable number did not answer. I need these calls to stop for calling at place I work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Finance I opened a loan account number XXXX. I was serving XXXX XXXX and still when I opened this loan. I ended up having it sent to collections. I finally got financially back on my feet and ended up sending a final payment for the full amount. Upon verbal agreement of final payment I was told my account would be removed with all negative discrepancies. After they processed my payment I was sent a letter that the account would be removed from my credit report. This is still on my account and affecting me negatively because I cant use my VA Loan because of serious negative impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016 that included a finance charge. Under the provisions of XXXX XXXX XXXX XXXX a ) when a consumer credit transaction involves a finance charge, that is the SUM of all charges. I also put a downpayment down in which is also illegal because a finance charges doesn't involve and comparable cash transactions. I also wasn't given my disclosure of my right to rescission. This must be given to the consumer and it was not disclosed to me during this transaction. I extended my credit to them and granted them the right to extend it back to me under the provisions of XXXX XXXX XXXX. I sold my security interest to them and I'm not obligated to pay any debt under XXXX usc XXXX. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights. It is illegal and against my federally protected consumer rights to pay a monthly payment on a positive balance. PENNYMAC mortgage is a third party debt collect who didn't not have my permission to contact me regarding debt. PENNYMAC illegally obtained my information without my permission. I do not have a contract with PENNYMAC MORTGAGE and they have infringed upon my right to privacy as the consumer under XXXX XXXX XXXX. I am demanding all payments be returned. XXXX has threatened to XXXX XXXX my abode location in which is also illegal under XXXX XXXX XXXX. They can't not take legal action in this manner. PENNYMAC can not validate any debt to myself as the consumer. XXXX is not the holder due course on this account. I'm demanding that they show documentary evidence of this alleged debt that I received an allege loan from them. XXXX XXXX XXXX states that the United States is responsible and I am not responsible or obligated to pay any debt under the FDCPA XXXX XXXX XXXX. PENNYMAC has ruined my financial reputation and has threaten to take my property under fraud. PENNYMAC has sent false and misleading statements in a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: SC

Complaint narrative:
Any previous debts owed by me are time-barred in my state. The debts have been closed and removed completely from all three credit reporting agencies. Therefore this collection agency/company should no longer contact 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 2021-08-16 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to refinance my house and our loan agent has been trying to get my Equifax credit report and score and they cant get it and I have tried to get them to fix the problem for 4 months now and Equifax Keeps giving me the run around and hasnt resolved the issue. I have also tried to get my score and report from myequifax.com and an error code XXXX  comes up saying to call Equifax and when I do its the same thing that they cant do anything. Because of this Im not able to refinance and Im losing money. Weve had no issue with the other two credit reporting companies just Equifax. My lender has verified that all information is correct in spelling, address, DOB and SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
There is a collection company that has listed three accounts on my credit file. I have disputed all three as I never opened up a XXXX XXXX Account. I never received anything in the mail, no validation, no notice so I can dispute these until they popped up on my credit. 

Portfolio Recovy Assoc XXXX {$490.00} Portfolio Recovy Assoc XXXX {$1400.00} Portfolio Recovy Assoc XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: MS

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, 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 regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
I am a victim of identity theft, I filed my police report and have contacted the creditors and credit reporting agencies of the fraudulent accounts due to identity theft. I wish to have these accounts immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to fifth Third bank.. Fifth Third Bank denied me Credit. To my understanding Credit is a " Right '' not a privilege. Fifth Third BANK has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.

Company response to consumer: Closed with explanation