vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX and I live in the mobile home purchased by XXXX XXXX and XXXX XXXX. in XXXX Alabama. The mortgage is between them and Triad Financial Services out of Florida. The property has been " Closed on '' for over a month yet Triad refuses to pay the mobile home company, demanding instead for additional employment information after the fact. Even after that information is provide their response is Let me check on things. As a direct result of Triads breach of contract in paying for the mobile home the mobile home company can not have contractors install water and sewage. For the past month we have ( I have ) been living in a mobile home with no water, or sewage. As a direct impact of Triads breach of contract and failure to conduct business all of our other utilities were greatly delayed as well. My name is not on the mortgage but I am directly effected by their refusal to pay and continued breach of contract. 
Regardless of any circumstances, XXXX and XXXX both signed and agree and are willing and able to pay back a mortgage. Triad signed and apparently is unwilling, unable to uphold their end of the contract. 
Their failure has resulted in financial burden upon myself, XXXX XXXX, XXXX XXXX, and the manager of the mobile home company. Immediate resolution and restitution is needed for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
On XX/XX/2021 ERC has reported negatively on my credit report causing damage. This item doesn't belong to me. And a clear result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: VA

Complaint narrative:
I was recently notified that Afni, Inc. collection reported an account that I previously disputed as identity theft with the original creditor and with Afni on my credit report. They even reported an address with the account that I never lived at. This is illegal and a violation of the FCRA and FDCPA. I want them to remove this item because it is not mines and is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX. on XX/XX/XXXX my Citibank account was defrauded by a guy named XXXX who misrepresented himself as a loan officer for XXXX XXXX at XXXX I have attempted to close this account, Report the fraud to the bank and do my due diligence and the bank continues to do nothing. 

The fraud has had an adverse effect on my account as a result I want it closed

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 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company XXXX XXXX I, XXXX appears on my crdit report trying to collect an amount of a XXXX  that I never open dated on XX/XX/2018 .... ( see attachment ) This company, XXXX XXXX I, XXXX have all my personal information with out my concent.

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 2021-09-11 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:
on XX/XX/2021, i sent Equifax about inaccurate and incomplete items they are reporting on my credit report. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
XX/XX/2021 at XXXX EST I attempted to make a purchase for {$50.00} usd of the crypto ETH. It has not shown up in my account and I have not received my money back. I have reached out to coinbase thru XXXX, XXXX, email, and phone but no one is giving me any answers. All I get is " we are aware of the problem and working to fix the issue ''. I sent transaction numbers, receipts and all the proof needed to show I made the purchase. I even had one coinbase operator ask me to fill out yet another form then block me. I have tried for 4 days to get my money back. They've already costed me so much in profits. This company needs to be shut down! There's no customer service or fruad department at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit report and I keep being asked about a mortgage and other things that I am no where affiliated too. Specifically an address is XXXX so now I am afraid that there has been a breach somewhere.

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 2021-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance. They stated they were going to report me to the credit bureaus if I didn't buy them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on XX/XX/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 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
Barclays continues to share my account information with an unauthorized person. I have attempted to contacted Barclays on many occasions by phone and they either never answer or they place me on hold for hours. I have written them and previously filed a complaint with your offices. Nothing seems to work. Please help. My correct phone number is XXXX XXXX XXXX. My correct email address is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Iowa XXXX XXXX 

Barclays previous wrote me denying my request to change my phone number.

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 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I paid the entire credit card balance off of {$6500.00} on XX/XX/2021 and its shows going thru my credit card statement. On XX/XX/XXXX, XXXX, Capital One decided to charge interest charges of {$99.00} before my statement is even due. They refuse to refund the {$99.00} thou it was on a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
This company, Bridgrcrest calls multiple times a day harassing me constantly. They do not stop. They use the tactics to intimidate and scare people into agreeing to payment plans that are not attainable. They have also called my family, who are not on the loan stating that they need to speak with me about an important business matter. This goes on ALL DAY LONG. I am sick of them harassing and trying to intimidate me. This should not be allowed. I am asking the Consumer Financial Protection Bureau to step in and investigate this company and their collection tactics. Im not even a month behind and they call me, my mom, and my sister ALL DAY LONG. We block the number and they call from another toll free number. Ill be happy to show all of our phone logs to prove their illegal practices

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 2021-09-11 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: NC

Complaint narrative:
I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!

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 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
AARP is transferring their credit card from Chase Bank to XXXX They gave a broad range of interest rates to expect, from a single digit number to a double digit number with about an 18 point spread. There was no choice given to consumers regarding whether they would like to stay at Chase, or have their card moved. 

Phone calls to AARP regarding the lack of interest rate figures were referred to XXXX. XXXX had a phone number loop set up so that every call eventually went back to the same office regardless of the bevy of numbers I obtained. No one would give even a smaller range of interest rates to expect. 

Who on earth would transfer to a credit card that did not give an interest rate up front? 

AARP appears to have become yet one more agency that fell in love with fame and fortune and forgot their commitment to advocacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: DISCOVER BANK
State: GA

Complaint narrative:
This is an update to complaint that was filed against Discover XXXX - 1. This complaint/issue should be referred to the appropriate regulatory agency for review.

2. The last that I heard from Discover representative was an email dated XXXX which will be attached. 

3. As of today, XXXX, I have been billed in the amount of the dispute, {$400.00}. This is still in dispute and I should not be billed for items not delivered. 

4. Also, I noticed that my credit score has taken a hit as shown in the attached, on the Discover website. How can this be on a disputed item?

5. For clarification, the original complaint should be updated to show there were to be 3 pairs of shoes that were purchased instead of two. 

To be clear, I have never received any shoes from XXXX XXXX that were to be sent to my second address at XXXX XXXX XXXX XXXX GA XXXX. I have now tried in good faith to resolve this with XXXX XXXX and Discover. Discover is acting in bad faith by prolonging this process and ignoring Federal law. Not sure why Discover would treat a long term customer this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an e-mail that stated my credit score dropped by 13 points. I was confused as why it had decreased since there were no derogatory marks so I called Experian and they confirmes this as well. I asked Experian what couldve possibly caused the drop and they informed that they could not relay that information which is my sole right as a consumer. They provided no answer to the score drop and basically told me there was nothing they could do.

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 2021-09-11 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: NC

Complaint narrative:
I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!

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 2021-09-11 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: NC

Complaint narrative:
I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
I need to cancel my savings account whith citi bank is not useless XXXX XXXX I gat my taxi 's and a working place deposit to that bank and I don't get a XXXX to use my account and after all I can use my account.

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 2021-09-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Multiple unauthorized and not notified or emailed about charges on XX/XX/2021-XX/XX/2021 for {$2.00} totaling around {$510.00} from XXXX XXXX I dont use android or XXXX because I have a XXXX nor do I ever make transactions like these I panicked and contacted the bank when I seen my account was at a {$1.00} and never got a text like I always do or email why wasnt this red flagged for suspicious activity I also just had a class action settlement again Bank of America because someone stole {$5000.00} recently as well and they refused to give it back until I involved CFPB so please help again I need my money I filed a claim and keep getting told ohh we are working on it its pending

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 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: NV

Complaint narrative:
I have disputed with credit bureaus three times to remove without success. I have also reached out to AWA for removal and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received an alert from Experian that indicated that the balance on my installment loans had increased by {$200.00} dollars which resulted in my credit score dropping by 18 points. The Experian member portal, did not specify which of the two installment loan accounts that are currently open on my credit profile this amount pertains to.

I therefore contacted both creditors to ascertain which and gain more information. Both XXXX XXXX XXXX and XXXX XXXX confirmed that my accounts are being handled satisfactorily and there were no adjustments reported to Experian.

I tried disputing the information online via the Experian website, but received an error message ( attached ) that suggested that i call instead. After being hung up on multiple times by several Experian member services agents, i eventually spoke to a representative who advised me that she could not file a dispute for me and suggested that i call XXXX  at XXXX. 

I couldn't understand why i was being directed to contact XXXX  when Experian is the Bureau that's hurting my credit without any obvious reason or explanation, therefore i decided to address the situation via this medium.

There seem to be something amiss with the Experian scoring model as my credit score with this bureau is 70 points lower than the other two major bureaus, despite they all having similar data. I will hasten to add, this reported increase in my installment loans is not being reflected by neither of the other two major credit bureaus ( XXXX or XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company. I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.

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