vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX did not have authorization nor permission to access my credit report. They had mentioned the inquiry would be removed but it is still on Transunion 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 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens bank has delayed the fund transferred via XXXX to my account at Citizens. The transfer fund via XXXX between registered recipients normally take several minutes ; however, at Citizens ' bank, it takes three days to deposit into my account. when I asked Citizens to explain the delay, it told me that I didn't register with XXXX. The explanation didn't make sense since I couldn't have been able to transfer via XXXX if I hadn't registered with it. Then, Citizens bank told me that I didn't have a debit card and that was the reason to cause delayed deposit. So, I requested a debit card. Now, with the debit card, Citizens still delays funds to deposit into my account. 

Citizens didn't address the question or fix the issue after my most recent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed a closing disclosure with Regions Bank but have yet to close. I have been told by XXXX XXXX on XXXX 2020. The date I was suppose to close that the closing was held up because the bond company wanted me to sign the back and front on all the closing estimates documents in the Bank although I had electronically signed them before, and he acknowledged that I had already signed them. I did that and later I learned that this was not something the bond company would request. I also learned noticed there was no signature required on the hard copy so I was told to sign them anywhere on the documents. this may be a way to copy paste my signature on other documents. XXXX XXXX sent out an email stating Regions have never done a XXXX loan and they are having difficulty creating the documents for closing on XX/XX/2020. The closing has been extended several times. I also learned that the home that I have under contract may have been sold by another agent in the same company on XX/XX/XXXX. even though I am still under contract and my loan has been approved. I have documentation of that also. I have yet to close or even given a closing date. This has been going on since. XXXX. I want someone to investigate this ASAP.

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 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
My virtual currency account is locked on the Coinbase.com platform. When I submit an ID I am told " unable to verify identity '' on their website. Have been trying to get the company to resolve this issue for over a month now with no luck using their " customer support '' email address, which is their only way to resolve customer support issues. My funds are now being held and I am unable to access them, or withdraw funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-03 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my Newrez/ Shellpoint mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with Newrez/Shellpoint. Two weeks later Newrez/Shellpoint sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted new Newrez/Shellpoint and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call Newrez/Shellpoint again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called newrez and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later Newrez reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to XXXX. I have proof of the wire transfer to Newrez on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to Newrez with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Criminals accessed my credit report to check me out and then fraudulently acquired a auto loan in my name # XXXX. I have complained heavily against XXXX XXXX XXXX XXXX but to no avail. The credit was not extended to me but to the criminals. XXXX XXXX XXXX XXXX  continually denied so I am proving the fraud since XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. Transunion and XXXX  also have liability because they are refusing to acquire the permissible permission from XXXX XXXX XXXX XXXX, review the permission that does not exist, and then remove the negative listing from my report. XXXX  XXXX XXXX XXXX is relying upon an forged, undated, and incomplete application.

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 2021-01-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Criminals accessed my credit report to check me out and then fraudulently acquired a auto loan in my name # XXXX. I have complained heavily against XXXX XXXX XXXX XXXX but to no avail. The credit was not extended to me but to the criminals. XXXX XXXX XXXX XXXX  continually denied so I am proving the fraud since XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. XXXX and Experian also have liability because they are refusing to acquire the permissible permission from XXXX XXXX XXXX XXXX, review the permission that does not exist, and then remove the negative listing from my report. XXXX  XXXX XXXX XXXX is relying upon an forged, undated, and incomplete application.

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 2021-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am trying to access my free credit report from the official site https : XXXX but Experian is blocking it ( see attached blocked ) I am not sure how Experian is reporting me to lenders but they are not showing me the same information. When I look at my report from experian it shows all my accounts as exceptional payment history with the exception of 1 item ( see overview image 1 and all exceptional accounts ). When I check the late account it is listed as exceptional payment history but the fico8 is considering it serious delinquency ( see image ). Not only is experian blocking my free reports, forcing me to pay for reports and monitoring, but they are reporting me for items they aren't clearly listing and were supposed to be removed. I took a one time opportunity to pay them off but nothing has been done for 6 months. I am out of {$2400.00} and my credit is still totally ruined from one account that was supposed to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
This company continues to call me and sent me overnight mail, which causes the delivery person to ring my doorbell and disrupt my household. Unacceptable. This harassment must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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/XXXX my XXXX XXXX mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX  and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to Transunion however with a balance of {$190000.00}. They also reported that false information to XXXX. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.

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 2021-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXX/ XXXX  mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX  again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to Equifax. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received an ATM/Debit card in the mail on XX/XX/21 from Chase bank for my new checking account. The problem is I don't have an account with Chase or have I ever. After talking with many people at Chase they wanted me to set up a pin number for the fraudulent account or they could not close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: World Acceptance Corporation
State: GA

Complaint narrative:
Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company called World Finance Corp . They sent me a letter asking for a payment and not proof. So recently XX/XX/XXXX I sent them another letter asking for more proof or else I will have to file a suite against them. Still nothing. I too reached out to the credit bureaus for reporting this false information on those same dates. Including XXXX on all three Credit Bureaus. XXXX, XXXX and XXXX. This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: CITIBANK, N.A.
State: UT

Complaint narrative:
On XXXX XXXX I used Citibank credit card to make deposit of {$1000.00} on charter of sailboat in XXXX. Because of Covid I asked charter company to refund my deposit. They refused. Around XX/XX/2020, I disputed the charge with Citibank because pasengers were all over XXXX and more sensitive to Covid. 

I have endless documentation with the vendor to get a refund since Covid prevented nonessential travel. My XX/XX/2020 initial refund denial with the credit card did not include " merchants documentation. '' However, I continued the dispute and e-mailed my documentation XX/XX/XXXX. [ available on request ] The Citibank letter gave me until XX/XX/2020 to continue the dispute.. 

XX/XX/2020 from Citi : " the timeframe in which to resolve a dispute has passed. '' Huh?

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 2021-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
On XX/XX/2021, I reviewed my credit file for any updates on my XXXX, XXXX and XXXX credit files, but what I noticed was that ARS had added another XXXX Accounts - XXXX XXXX, without issuing a notice to me or documentation showing proof of the claim, so that I could have my insurance company billed correctly. 
The current account on my credit files is for XXXX # XXXX in the amount of {$900.00}, along with my last request for compliant, that was closed by CFPB # XXXX, dated XXXX, in the amount of {$470.00}. Again, they have yet to issue proof of the claim for the XXXX Bills, provide proof that they provided documentation, since they claim to be the original creditor. I believe once again this agency has violated my rights as a Consumer ; the right to have the information be accurate and be informed of any debts on my credit before giving me the right to dispute before altering my credit files, per the FCRA. 
My next step is to the Attorney General Office.

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 2021-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
From the period of XX/XX/XXXX onwards, Shellpoint has categorically failed to respond to a series of inquiries on the status of an ongoing mortgage payment and any payments to be made thereof. Shellpoint ( " they '' ) have repeatedly stated false and misleading fee and penalty amounts for fees we did not agree to. The customer service line continually lies and gives false information to any party that calls with voiced concerns. Every time we call, it is a different story, and a different amount. We *SUPPOSEDLY* owe XXXX, then XXXX, then XXXX in " late fees and penalties '', then, when we demand an itemized list of these fees and charges, we are given no answer for weeks, only to be sent a file which we can not open or read. Managers refuse to speak to us or honor appointed calls, often ignoring us in lieu of us leaving a voicemail only to get no calls back. They have rejected at least one payment outright and have closed the online portal to pay, demanding we instead send paper checks by mail. Ultimately, they have also stated we have not paid any mortgage payments for several months in the year of XXXX, when this is totally and completely untrue, a blatant lie, fabricated. The bank records show we have issued them payment. At this point I can not tell if this is incompetence or criminal activity. We are considering legal action and hiring an attorney.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
The car was in an accident, which it was totaled and the insurance company paid the car off. The information on my credit is incorrect saying it was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Where do I start! 
I have had a COUNBASE account for trading crypto currency for over a year at first I didnt have a XXXX problem apart from constant fees that I shouldnt be paying! 
But I seem to keep chasing what I was promised in the so called percentages I was being showed I made? 
Once I had that percentage I then had the app tell me I didnt have enough of that coin to move? I had more than enough of any currency I wanted to trade to move my gains to buy another coin to prosper from up and downs in the app.i then found I had thousands of pounds stuck in coins I couldnt move at all! 
Loosing me over XXXX up to date apox if not more. 
I made many contacts to the so called COINBASE Support only to constantly have a robot push me round in circles! 
I have had nothing at all on all my complaints and its made me And people around me XXXX! 
I cant XXXX XXXX  Im having problems with the stress of no control and the loss of thousands and thousands of pounds not forgetting the money I would have and still would be making if allowed to transfer MY Money. 
They froze my account and stopped me moving my money but still let it be traded on a market.This is discusting abuse I feel destroyed inside XXXX and XXXX XXXX .please help me and thousands of other Coinbase customers as Im not alone. 
If my trades where allowed to be done Im shore I would have dibbled my investment if not more. 
We have all and still are being taken for fools. 
There is no support allso all Iv had is there platform trying to put adds on my personal page on face book! XXXX outrages.

Company response to consumer: Closed with monetary relief