vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/21 I issued a check to my internet provider, this check never reached them. Instead, or was cashed by someone else. I tried reaching out to my bank at the time, Chime, where they told me they could not do anything since it was a check and not a debit transaction. I also tried reaching out to the bank that cashed it, but they could not or would not discuss anything with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello and good morning. My name is XXXX XXXX and I currently have a mortgage through J.P Morgan Chase ending in XXXX. They are not the original lender as XXXX XXXX was the original in which it closed XX/XX/XXXX. My complaint and dispute is the run around and unwillingness to perform a XXXX on my property to assess the XXXX ratio for actual value of the property. My current property is located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I was given quite an insulting appraisal and disputed it. I even paid for a second appraisal from a second lender. Long story short I ended up having to take the low evaluation to not lose the property since the initial lender has all of the paperwork prepared for closing. Had I not, the seller was going to re-list the property. The property was appraised for {$480000.00} and I currently owe {$420000.00}. The property itself is worth $ XXXX $ XXXX in the $ XXXX range. Thus why I want a XXXX performed in which I expected to be a simple request not an argumentative debate. My complaint is that Chase refuses to perform a XXXX  to assess the actual property value even at my own expense to remove PMI. I am attaching my PMI disclosure from Better Mortgage that I signed at closing. It does state the general dates and numbers for request and/or auto termination of PMI. What it does NOT state is any requirement/s for me to HAVE to perform SIGNIFICANT IMPROVEMENTS in order to request and/or pay for a BPO to be performed! This is not right and outright illegal. After telling me on XX/XX/XXXX in an email that I am attaching that I could pay for an evaluation at my expense now everyone that I speak to refuses. They record their calls as most businesses do and have an associate telling me that I could order a BPO over the phone and even billed my checking account for it on XX/XX/XXXX. I have attached my statement showing the charge. There is nothing on my PMI disclosure that mentions the requirement for significant improvements to be performed and/or anything to do with a time frame for borrower requested removal of PMI on the note in under 2 years to request/demand an evaluation of the property/BPO. This to me is a combination of this financial institution just wanting to continue to get rich off of collecting money from as many customers as possible but most IMPORTANTLY the attempt to combine 2 completely different sets of guideline requirements that are not of the same lender and/or to be used concurrently. I have read over the XXXX of XXXX, lender disclosure from closing lender, and XXXX XXXX. I know that this is not right and I only agreed to what I SIGNED for at closing. The requirements do not include what has now been being applied to me by this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I checked my credit report and noticed I had unauthorized fraudulent inquiries. I sent letters to Equifax and XXXX with a FTC report attached but they did not remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
I have attempted every ave I can think of. Navient refuses to remove me from the students loans procured by my ex husband. One of the loans are in my name as a primary and I never attend the school. This has caused me 15 years of bad credit scores because the payments are not on time or paid at all. I am not sure where else to go with this but Im hopeful someone will take the time to help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Upgrade is the creditor that I took a personal loan out on and I have the two line of credit or credit cards. I have not used these cards for a while and they both are reporting balances which is incorrect. Both of the credit cards have a zero balance on them. This is causing many many issues with my credit report and it's extremely hard to get the company to correct this information. I am left to file a complaint with CFPB in order to assist me. Please update the credit report and correct the balances on these line of credit credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I am interested in removing a 7 year eviction from public records. I paid off the debt, resulting in the case being deemed " satisfied, '' by a judge. However, it still shows up on civil case searches and most likely my rental application. I was wondering how to get rid of it all for good.

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 2022-02-04 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:
I have attempted every ave I can think of. XXXX refuses to remove me from the students loans procured by my ex husband. One of the loans are in my name as a primary and I never attend the school. This has caused me 15 years of bad credit scores because the payments are not on time or paid at all. I am not sure where else to go with this but Im hopeful someone will take the time to help me with this

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 2022-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Called XX/XX/31 to request a letter for my mortgage that shows my actual payment details. Request put in and I was informed it would take XXXX days. 
Called XXXX XXXX - informed they can see my request in their system and read the specific details of what needed to be included in this letter, he was not sure why I had not received it. He put in a new expedited request and said I would receive this letter in XXXX hours. 
Called XXXX XXXX - no letter received. Spoke with XXXX ( employee ID XXXX ) who confirmed again that he saw the request in their system but he had to put in a new request and it would take XXXX business days. informed him that I would lose my house b/c of their errors and requested manager. Transferred to XXXX XXXX employee ID XXXX ) who confirmed all details ( type of loan, payment, and recertification date ) and confirmed that she put in the request and letter would be received same business day. ( a letter was received, but did not include any of the necessary information ) Called XXXX XXXX and spoke with XXXX ( employee ID XXXX ) who states loan has been transferred to XXXX XXXX and they could not assist any longer, even though she could see the multiple requests in their system. Requested manager. Spoke with XXXX ( employee ID XXXX ) who states that they could not assist as loans have been transferred. Informed XXXX that I will lose my house and have spent multiple hours over multiple days calling this agency. He informed me to call XXXX XXXX. I pulled up the letter from FedLoans regarding my loan transfer and it clearly states that i would not have access to my account until my new account is loaded in their system. XXXX was very rude and kept telling me just to call XXXX XXXX b/c they could just email or fax me a letter. I questioned that answer since FedLoan was unable to do that and also informed him about the delay. He kept asking " why you just won't call XXXX XXXX and get the information from them ''. Requested his manager and he said I would have to wait on hold for a minimum of an hour. Again, I am going to lose my house without this information that i have been requesting for XXXX weeks! I am unable to wait another XXXX weeks for XXXX XXXX to do the job FedLoans should have done. Please advise on next steps to report this company and their awful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: FL

Complaint narrative:
Good Morning, I had a medical collection added on to my report back in XXXX of 2021 which I paid Immediately. The account is correctly noted as closed and settled but did not return any points for having been paid. When it was added, XXXX points was removed from my credit score and none were returned.

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 2022-02-04 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: IL

Complaint narrative:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: IL

Complaint narrative:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This compliant is about Coinbase. I fully appreciate the risks of trading cryptocurrencies, however their false and misleading information caused me to lose money, and their lack of accountability is unacceptable for a publicly traded firm. 
By way of background, I sent XXXX ( XXXX, also known as new XXXX or XXXX XXXX ) to my Coinbase wallet, to the address provided by Coinbase in my account, which was confirmed on XXXX. When the XXXX did not show up in my Coinbase account, I started looking what might have happened. Apparently, Coinbase only supports XXXX XXXX  ( referred to as XXXX on the XXXX website - https : XXXX ). XXXX underwent a swap to XXXX and has a different logo. Coinbase uses this new XXXX logo and symbol XXXX, but apparently, they only support XXXX. 
After many attempts to contact Coinbase ( all you can get are automated replies ), I finally got an agent who said that the coins would likely be available when Coinbase swaps XXXX to to XXXX ( the new version ). Per Coinbases website, this was to occur by the end of 2021. I have a copy of the webpage stating this as well, but they have now changed the page to remove the 2021 notation. 
I asked Coinbase to either return them to the Metamask wallet from which they were sent or liquidate the XXXX to Ether or USD within my Coinbase account. They said they could not do this, which is incorrect as they are working on the swap of the coin and do have access to my wallet, so whether internally or using third-party programs, they could effectuate the swap. 
After filing a formal complaint with Coinbase ( and it taking them over a month to respond ), they said that they owed no responsibility, citing Section 2.3 of their User Agreement which provides that Coinbase only supports certain cryptocurrencies and is not liable when you transfer unsupported cryptocurrencies to your Coinbase. This is a legitimate position on their point if the issue were that I just sent the wrong coins to my wallet, however the issue here is not that they do not support the cryptocurrency it is that they displayed false and misleading information about the cryptocurrency that they do support, which compelled me to transfer the wrong coin, and then they claim it is out of their control and lost ( which is in conflict with them also saying the coins will be available once they complete the swap to XXXX, which was supposed to be done by the end of 2021 ). 
I am happy to talk through the situation with a representative who understands crypto and how transfers are made. As noted, I would usually take full responsibility for sending the wrong crypto or sending to an incorrect address, but that was not the case here. Coinbases false and misleading information led me to improperly transfer the funds, and they should be help accountable. 
Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$80.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
On XXXX XXXX I received a letter from the presidential office of XXXX XXXX XXXX  about the XXXX XXXX XXXX  card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where Transunion, XXXX, and XXXX is getting my information from if XXXX XXXX Bank said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX My Credit report was charged with Collection from CCS XXXX File # XXXX ) for {$560.00} for collection for Homeowner Insurance from XX/XX/XXXX to XX/XX/2021. Meanwhile I had another insurance from another company from XX/XX/2021. This insurance was canceled & Now my credit has been ruined. I have active refinancing process going on and this hurts my credit with 85 points down. This is very Unfair for a consumer like me. This is absolutely unacceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: MO

Complaint narrative:
I checked my credit report and noticed I had unauthorized fraudulent inquiries. I sent letters to XXXX and TransUnion with a FTC report attached but they did not remove the inquiries.

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 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX/ XXXX / {$0.00} XXXX XXXXXXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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