vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to investigate and delete fraudulent unauthorized hard inquiries, they simply say they Im out of luck. 

Here is the letter I sent them. 

XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear EQUIFAX I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY On : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX services Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XXXX Creditor : XXXX XXXX XXXX on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry on : I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above corrections. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I opened an account with coinbase.com, and purchased XXXX  to use for foreign exchange. I sold my bitcoins and attempted to withdraw my money in USD on XX/XX/2021 ; as a result, my withdrawal was refused, and my account was frozen. I called their customer service department ; however, no live person was available to assist me. I attempted to troubleshoot on their website ; however, I received no help there either. Meanwhile, my funds, which were purchased at {$20000.00} and increased to {$24000.00} had decreased to {$19000.00} as of XX/XX/2021. On XX/XX/2021, I also realized that approximately {$65000.00} was fraudulently withdrawn from my XXXX XXXX XXXX account ; the fraudulent activities began approximately XX/XX/2021. Money has been taken out of my savings account and dispersed to numerous financial institutions, in which I have no accounts with, nor did I authorize any of the withdrawals with coinbase.com or any other company. My account number at XXXX was changed ; I took my previous debit and ACH numbers off of coinbase.com in an attempt to discern whether or not the funds were being withdrawn via coinbase.com or a subsidiary. I attempted to add my new information to my coinbase.com account in an attempt to withdraw the remaining {$19000.00}, and my new account information was rejected ; my coinbase.com account has been frozen, and I have not been able to withdraw my funds. I have sent them an email, and as of this date, there has been no response. I understand the lack of manpower due to Covid - 19 ; however, this company 's business practices appear to be downright illegal. I am a laid-off XXXX due to Covid - 19, and I can not afford to lose any more money than I already have. XXXX has Loss Prevention working on the disappearance of the {$65000.00} ; however, I need your assistance in recovering the aforementioned money from coinbase.com, and if you're able to assist in the investigation with XXXX XXXX XXXX, that would be greatly appreciated as well. Why is this company still allowed to operate and fraudulently steal from, and mishandle their clients ' accounts. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last month, after 26 years of being a loyal consumer with Chase Bank, they reduced my credit limit. This month I received a notice that if I miss a payment, my interest rate may go up to 29.99 % and indefinitely stay there. They give you the option to reject this rate increase, yet if you reject it, your account is cancelled. ... In the last 26+ years I have missed two payments. Neither of which occurred in the last year or longer. For this to happen durning a pandemic is disturbing. If this is how I am being treated after a near perfect, three decade history and a mid XXXX credit score, I cant imagine how they are treating those who are truly struggling during this time. 

I will never give Chase Bank or its subsidiaries my services again. I will also be sure to spread the word. Simply disgusting.and disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NJ

Complaint narrative:
Experian continues to close investigations claiming the information was verified and accurate. My XXXX  loan was consolidated and PAID IN FULL on XX/XX/2021. This dispute was opened on XX/XX/2021. Experian is violating their obligations under the 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 non-monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
A REVIEW OF THE PROBLEM : I successfully set-up an account with Mazda Financial Services to auto-deduct monthly payments after purchasing my vehicle in XXXX, XXXX. However, since successfully setting-up the MFS account, I have been locked out of it. While I do not believe this is a nefarious attempt to keep a customer from accessing the MFS portal, I can not be certain, and as a consumer, believe I have the right to access my online account, should I desire to do so. I have talked at length twice with MFS representatives ( all very kind by the way and legitimately eager to help me ) on XX/XX/XXXX, and XX/XX/XXXX. However, no one has reached out since XXXX, and no additional options have been made available, other than those outlined below, which have all failed. 

I mentioned in my correspondence that I would send my next communication to record my issue with both the CFPB and the FCC XX/XX/XXXX. They will receive a detailed letter, along with my call records and all issues as outlined in my first and second letters. While MFS has not ignored my issue, theres been no resolution and I feel that the problem has been underappreciated by MFS.

I have : Verified with MFS that my email address is correct in the Mazda Financial Services system ( sent email address ). 
Tested various browsers XXXX XXXX, XXXX, XXXX XXXX. 
Tried BOTH XXXX and XXXX XXXX  ( and all browsers, other than XXXX for XXXX XXXX to resubmit, then check email for verification codes. 
Contacted customer service twice each escalated to a higher level with no results. 
Followed instructions to login for NEW verification codes they expire for each new session. 
Checked for the verification email directly in XXXX XXXX with no results no email ever arrives. 
Checked ALL SPAM filters, plus email programs I use in personal mobile devices, and desktop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
A company called lexisnexis is preventing me from buying an umbrella policy based on the fact that a piece of construction equipment gave me a flat tire. See the report attached. XXXX should be ashmed that they treat customers this way as well. I want lexisnexis to remove the ridiculous report and XXXX to approve the umbrella for a XXXX year old PERFECT driver mom of XXXX kids with a PERFECT RECORD. This is TOTALLY ridiculous unsubstantiated and should NOT BE ALLOWED!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
This account is not mine. The contract had me as a primary and I never attend the school. Im a federal employee and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a lawyer, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: AL

Complaint narrative:
This account is not mine. The contract had me as a primary and I never attend the school. Im a federal employee and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a lawyer, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.

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 2021-01-30 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: AL

Complaint narrative:
This account is not mine. The contract had me as a primary and I never attend the school. Im a XXXX XXXX  and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a XXXX, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.

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 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I deposited a check for {$300.00} dollars to my chime account. It cleared and right after I got an emails saying my account is closed. I cant log in, and they wont let you speak to someone you can only email. 

Ive been emailing them 2 days now no one is responding anymore because they cant explain why my account was closed. I was also paid 2 days before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Firstsource Business Process Services, LLC
State: AL

Complaint narrative:
First Source Advantage LLC, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
First Source Advantage has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due XXXX XXXX account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XX/XX/2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by First Source Advantage are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.

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 2021-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. However there we no contact number attached to the alert making the inquiries for new credit invalid. Reached out to the companies no assistance provided, reach out to credit bureaus, and no update to the credit profile. 

Dates of inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
XXXX XXXX XXXX has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due American Express account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XXXX XXXX, 2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by XXXX XXXX XXXX are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a loan modification in XXXX  on the primary loan with my mortgage company. I had received no assistance from the mortgage service provider Until I had to retain counsel to negotiate a modification. I had a 1st and 2nd loan with the same company but only the first was modified. The loan modification was for 7 years interest only with 20k+ plus added back into the 1st mortgage principal balance. Ill in received was a document breaking the cost and payment of the modification nothing else. I tired for several years after XXXX to have the 2nd modified but to no avail. It has now been almost 4 years since the modification was completed and we have made on time payments for the duration of the modification. With interest rates low, we tried to refinance our 1st mortgage. The second organs did no longer show on credit or on the load serviced website. When trying to refinance, a lien showed for the second mortgage but showed it was foreclosed. I havent received any documentation showing a foreclosure that happened in XXXX of XXXXNo documents have been recorded with the county recorder either. When trying to pay the lien to refinance, the current mortgage provider cant produce any documents showing who it needs to be paid to or wont remove the the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Hi, this complaint is regarding my home loan with Mr. Cooper, loan number XXXX. 

On XX/XX/XXXX I went online to pay my monthly mortgage payment with Mr. Cooper ( my mortgage company ). I noticed an unexplained bill on my account dated XX/XX/XXXX in the amount of {$620.00}. It appears to be two charges on the same date-one is for {$500.00} and the other is for {$120.00}. The only information posted about this bill on my account says " lender paid expenses ''. I called and spoke to the Mr. Cooper when I noticed it and asked what the charges were for. The first time I called I was told it was related to a bankruptcy on my account ( I did file a bankruptcy in XXXX and this has been discharged in early XXXX so this could not have been related to a bankruptcy ). I was unable to get any other information so I called Mr. Cooper again on XX/XX/XXXX. This time I was told it was because my house was vacant. My house has never been vacant at any time since I've owned the property in the last 21 years. Again I was not provided any other information so I called Mr. Cooper a third time on XX/XX/XXXX. This time someone was able to find an actual bill in the amount of {$620.00} ( the bill has been attached ). The bill is dated XX/XX/XXXX, from a company called XXXX XXXX XXXX XXXX. The bill clearly states that I have been charged some type of fees for vacant property registration ( one for {$120.00} and one for {$500.00} ). Again my property has never been vacant at any time in the 21 years I have owned it. 
I tried calling both phone numbers ( phone and fax ) that were listed on this bill, and both numbers are disconnected/no longer in service ( feel free to call yourself to verify ). I also can not find any information on the XXXX XXXX XXXX at the address provided on this bill. I asked if Mr. Cooper could investigate the validity this bill. I did receive a notice in the mail dated XX/XX/XXXX from Mr. Cooper regarding the bill. The letter states without any further explanation that " the lender paid expense balance is valid and was assessed to the loan in accordance with the loan documents and our servicing requirements ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
I am out of work and my mortgage is currently being paid by a charity on my behalf they require a bill or a remittance page each month for every person company that they pay I have been in contact with BSI at least 10 times a month for the last 5 months and has not been able to acquire but one printed bill I must have a monthly billing statement mailed to me so that I may fax it to the charity that's paying my bills. I feel that there is a systemic issue with the company to increase revenues by forcing people like me to have late fees. I also feel that they're inability or incompetence with complying with my simple request for a printed bill each month mail to my home in a timely manner that I may continue to make my payments on time is a tactic to keep customers like myself with in a low credit rating status and late fees and other fees associated with creating revenues for their company. I have spoken with them on multiple occasions I have emailed them and I still can not get a printed bill so that I can have my bills paid on time by the charities of XXXX XXXX XXXX. I hope that you all will help me by looking into this matter. I have unreliable access to Internet because my phone and internet may be terminated at any moment I therefore require written correspondence which they have refused to send. Also in the past few months I have received only one electronically generated remittance page I need your help thank you very much

Company response to consumer: Closed with explanation