vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: NC

Complaint narrative:
IT'S BEEN 3 YEARS AND NO ONE IS ABLE TO PULL MY EQUIFAX REPORT. I CAN NOT CREATE AN ONLINE ACCOUNT TO LOGIN TO VIEW MY EQUIFAX. I HAVE CALLED AT MINIMUM 40 TIMES TO EQUIFAX TO GET THIS PROBLEM FIXED AND THEY TELL ME THERE IS NO PROBLEM. THERE IS NO CREDIT FREEZE OR FRAUD ALERT ON MY ACCOUNT PER EQUIFAX. WHAT THE XXXX IS GOING ON? I HAVE GONE BACK AND FORTH WITH LENDERS AND EQUIFAX AND HAVE USED THE SUGGESTED ADDRESSES AND NAMES THAT THEY TELL ME TO WHEN PULLING. HOW DOES THIS GET FIXED? I AM ON THE VERGE OF SUING EQUIFAX FOR DAMAGES. THIS HAS BEEN FAR TOO LONG AND UNACCEPTABLE. THERE IS SOMETHING IN YOUR SYSTEM PREVENTING THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX Has reached out via email. They are a predatory agency who has bought bad debt ( meaning not valid ). I've told them in writing to not email again on XX/XX/XXXX and they've emailed again this morning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
The Thomas Agency debt collected for XXXX XXXX XXXX XXXX. I am in the United States XXXX XXXX at the time that this debt accrued. I have full medical and dental coverage. I wasnt in Maine at all during this time.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Contacting you all about the Education Department forgives XXXX Million in student debt for borrowers who attended for-profit schools

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: MN

Complaint narrative:
XXXX XXXXXXXX credit card was not opened by my or authorized by me I have submitted my identity theft report number with the CFPB and the police report case number to the company and to the major credit reporting agencies and this still remains on my report after numerous disputes and phone calls to both the company and the bureaus I need this removed IMMEDIATELY it is affecting my business credit and personal credit scores IMMENSELY and have suffered compounding problems and fees from this and not to mention the loss of available credit for me and my my business

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: GA

Complaint narrative:
I tried to dispute {$470.00XXXX XXXX  I put my dispute in on XX/XX/22 I gave them a copy of my police report 2 weeks ago I call today and was told know one did the work to reopening it so we can do it now I told him it have been 2 weeks I need my money now he told it will be up to 90 days I told him I never had XXXX  they are not to give my money back I hope you can help me my card from chime no one will not give me the corporate phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/22. I sent a letter to Credit Bureau Experian in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report. 

On XX/XX/22. I sent a credited letter again to Credit Bureau Experian in regard a charge off from XXXX XXXX. Sold to XXXX XXXX XXXX XXXX XXXX. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau Experian in regard a charge off from XXXX XXXX. Sold to XXXX XXXX XXXX XXXX XXXX. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.

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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I noticed I was locked out of my Coinbase account on Monday morning XX/XX/XXXX. I tried to get in and it would not let me. I contacted Coinbase to let them know I believe there was unauthorized access of my account. They then made me reverify my account. There was also a {$1000.00} XXXX request of my bank which I did not authorize. On Tuesday, XX/XX/XXXX I filed fraud reports with the FBI, FTC and XXXX, MN Police Dept. When I was able to access my Coinbase account, someone took my {$150000.00} in cash and bought XXXX XXXX and somehow moved them out of my account. I say somehow because the only account I had set up to take and receive funds was my bank, none others. On XX/XX/XXXX, Coinbase support replied back to me that they are not responsible if someone gets an individual 's login credentials. I called the XXXX XXXX and MN Department XXXX XXXX to report the fraud. The XXXX XXXX said there is nothing they can do since I reported it to the FBI. The MN XXXX XXXX XXXX was going to reach out to Coinbase. I checked with my phone provider XXXX about security breaches on my phone and they said they could not see any.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a credit card account with JPMorgan Chase bank in 2018. Shortly after opening the account, JPMCB found a previously closed account ( XXXX ) and defaulted all of my login credentials to the old account. Locking me out of my account. 

I missed a payment due to this and JPMCB decided to file a missed payment to credit bureaus. My credit score has been largely effected by this and this is the only instance of me missing a payment. 

from XXXX, and from XXXX. This is the only instance of not paying my CC on time. Due to being locked out of my account because of an error made by JPMCB. Despite contacting them, they declined to withdraw the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: MN

Complaint narrative:
Spire Recover Solutions is a debt collection company. They contacted me via email which was filtered as spam. Never once did they send me a letter via mail or contact me via phone. On XX/XX/2022 they contacted me by phone foe the first time. Less than an hour later they began contacting former school classmates and people who had no current association with me claiming they were calling from the SRS Office in regards to me. This is completely unacceptable, illegal, and immoral behavior. Do you have any idea how mortifying it is to have someone you haven't spoken to in years contact you to ask if you gave his number to a debt collection agency? I never even had a chance to return their call before they were broadcasting to the world I had a debt. When I did attempt to return their call, they did not answer multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associate are in violation of the Early Warning Notice. 
The clause state that consumer had to be notified before placing collection item on credit report. Had been XXXX  for the past XXXX  months and did not receive any notice. Attached is my release document from XXXX  and my address in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had my bank account connected to Experian for credit for boosting my bills. Since I got in the XXXX my XXXX  account to give me credit for paying bills was somehow disconnected for over 3 months which I was not given credit for. When I contacted them about the problem I have not heard from them since and no resolution for the problem. I feel like they are purposely trying to prevent my score for raising.

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 2022-04-06 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: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-04-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of Americas privacy notices appear to be a financial service as mentioned in section 1016.3 ( m ) ( 3 ) of Title 12 of the Code of Federal Regulations ( CFR ) which states that a financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service. The term financial product or service is defined in 12 CFR 1016.3 ( m ) ( 1 ) as any product or service that a financial holding company could offer by engaging in an activity that is financial in nature or incidental to such a financial activity under section 4 ( k ) of the Bank Holding Company Act of XXXX  ( 12 U.S.C. 1843 ( k ) ). It would appear that Bank of America, according to section 1843 ( k ) ( 4 ) ( C ) of Title 12 of the United States Code ( USC ), is engaged in an activity that is considered to be financial in nature as it appears to provide financial, investment, and economic advisory services.

Also, it appears that all banks do is give credit in exchange for information - an applicant generally submits information on an application, then the bank either accepts the application based on the information it gathers from the application and other sources and then gives credit, or the bank rejects the application. 12 CFR 202.6 is evidence of this because it states, in relevant part, the following : ( 6 ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( ii ) On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness ; and. Hence the existence of the privacy notices/polices of all of these financial institutions.

I see no reason to have to lead a less-than-luxurious life since this appears to be the case and, seeing as I currently have no food ( Im literally regularly stealing food to eat ), I have no lights on, etc., so something has to shake.

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 2022-04-06 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: MS

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Sunday, XX/XX/XXXX of 2021, at XXXX I received an automated message from Wells Fargo XXXX The message goes as followed ( I have censored my personal information ) : FreeMsg : Verify Wells Fargo activity. Card **** {$600.00} @ ATM XXXX {$12.00} @ XXXX ****** Reply Y if recognized, or call XXXX. STOP to stop msgs. 
I immediately called the number, as I was checking my bank account transactions to see what was happening. Someone had accessed my account through a nearby ATM I had only used twice previously. They initially tried to take out {$600.00} but were denied. They proceeded to try again, but this time for {$500.00} and were successful as my bank transactions stated. I had recently gotten off work and was at home as I frantically explained what was going on to the number I had been instructed to call. They calmly accepted my situation and told me they'd be shutting off access to my card, and immediately sending a new debit card in the mail. I begged for more information regarding where my money had gone and how someone could've stolen it considering I only have one debit card, and no one knows my pin. A week goes by, and as of XX/XX/2021, I found a letter in my mail addressed to me as a resolution of my claim. They found the transaction to have been made by me because the person used my pin, therefore they ended it with a " Please consider your claim closed. '' I filed a police report that has not affected my situation, and I have been tight on bills ever since the sudden loss of this {$500.00} taken from my account. My account was closed a few months later due to insufficient funds because of this sudden impact. It would greatly help me financially to get back the money that was stolen from me so easily after having an account with Wells Fargo for XXXX years.

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 2022-04-06 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: CT

Complaint narrative:
I have called Equifax 3 times to ask why my credit score dropped XXXX points within a few weeks. Each time I call they give me a different answer about why they can not provide me with any reasons why my score dropped. I feel very strongly that if a credit reporting agency has the power to raise and lower your credit score and have that information impact a consumers an ability to obtain loans, mortgages, credit cards, etc., then the information should be extremely accurate and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-04-06 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: TX

Complaint narrative:
Under FCRA 15 U.S. Code 1681XXXX ( XXXX ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
XXXX XXXX i received a letter from South Mississippi collection service inc for the amount of $ XXXX have no knowledge of this account.This debt collectiion was sent to the SOUTH MISSISSIPPI COLLECTION SERVICE on XXXX/XXXX/2021 for the amount of {$230.00}

Company response to consumer: Closed with explanation