vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I called in to FMS financial to obtain my current balance with the company so that I could pay the balance. I was told how much it was and without my consent they again ran my credit making another hard inquiry in my credit and dropped my score down 3 points. I was not aware nor given consent to the company to do so. The only way I found out was because it was reported by XXXX. When I confronted them Mr. XXXX said that my consent to run my credit was not needed and that because I have debt with this company they are allowed to run if they want to. I did not ask for a line of credit or anything pertaining to checking my credit score. Ive also paid off this account in full and it hasnt been reported to the credit bureaus

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 2021-11-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1000.00} XXXX XXXX-Balance {$370.00} XXXX*-Balance {$0.00} XXXX/XXXX-XXXX-Balance {$0.00} XXXX XXXX-Balance {$860.00} XXXX XXXX-Balance {$0.00} XXXXBalance {$5800.00} XXXX XXXX-XXXX-Balance {$11000.00} XXXX/XXXX-XXXX-Balance {$230.00} XXXX XXXX-Balance $ XXXX-Balance {$1700.00} XXXX XXXXBalance {$560.00} XXXX XXXX-Balance {$630.00} XXXX-Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CA

Complaint narrative:
REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, TransUnion and XXXX stating indirectly that they will not give the information that I requested under FCRA 609 and 611 TransUnion has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 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 2021-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-11-16 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately XXXX-Date of inquiry XX/XX/2019 XXXX-Date of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Identity theft! 
Somebody used my personal information to open a bank account and open an account at Robinhood, i reported straight away that this is a fraud, i sent emails to robinhood suport and i was communicated that theyll closed the application attached with my details, to find next day that there was activity going on, some ordered placed and executed.Its so hard to get In touch with someone from customer services in order to do that, i had to use the forgot password option to log in to that account that was created by fraud with my details and only by signing in you have the option to request a call, I explained the situation that happened with me, they restricted the account, and removed the devices that were logged in.Few days after i receive an email that congratulations youre level 3, so i sent emails again, submitted all documents necessary, logged in again with forgot password option worh a different device to requested a phone call back again and unfortunately nothing, havent receive any phone calls or response about this matter.It is so frustrating, i never been put in situations like identity theft, that is stressful enough, and to find that company is not helping you in this matter even you reported about it straight away and also that they even allowed money transactions to take place, and the account cant be closed until all the transactions are finalized. 
Robinhood.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
Total visa account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
Total visa account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting the wrong name on my credit report. I have never changed my legal last name to XXXX. My correct legal name is XXXX 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 2021-11-16 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: CA

Complaint narrative:
REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, XXXX and Equifax stating indirectly that they will not give the information that I requested under FCRA 609 and 611 XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, Equifax has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX XXXX Card to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX XXXX has stated they do not correct any issues that are reported on 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 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I transferred {$100.00} worth of IOTX crypto ( XXXX tokens ) from XXXX to my Coinbase account. IOTX was trading much higher on Coinbase so I wanted to sell from their platform. I have made plenty of transfers in the past and they normally take 10min to an hour to process. After appx 6 hours and not receiving the transfer I began to XXXX what the issue could be. I found a XXXX page with people expressing their same frustration regarding the exact same situation ; transferring IOTX from XXXX to Coinbase. The consensus was, the money was lost. I first reached out to Crypto who immediately responded saying, Upon checking your account, I can see that your withdrawal request was completed on our end. With that being said, please contact the Coinbase support team for further investigation in a case that you haven't received your IOTX tokens yet.

So I then reached out to Coinbase and received this response.

It appears this transaction was performed using a network that Coinbase currently does not support. Since we dont support this network, the funds did not arrive in your Coinbase account and we do not have the ability to recover these funds. 
So although token transfers are permitted, and both sites used the same IOTX code, somehow my tokens ( real money ), were lost into oblivion. Coinbase went on to say they recommend transferring a small amount first to make sure it works. I am honestly not sure how money can just disappear, and not just for me, but for enough people there was even a XXXX thread about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
XXXX visa/XXXX XXXX XXXX account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times

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 2021-11-16 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: GA

Complaint narrative:
XXXX visa/XXXX  XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times

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 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Barclays Arrival XXXX XXXX XXXX card alerted me to tow fraudulent charges on my card. Pursuant to that, when I received my statement there were two additional fraudulent charges which I then called into Barclays to alert them and dispute. I was told to deduct those charges from my payment. On my next statement I was charge interest and penalties for not paying my statement in full. I have called Barclays four times to try to get these charges rescinded, and was told I have to pay the charges. I have asked verbally and through emails to speak to a supervisor or manager. No one has returned my call. I believe I am protected by federal law and by my Barclay 's credit card agreement that consumers are not liable for fraudulent charges and any penalties associated with such charges.

I have had not response from Barclays regarding this manner.

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 monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Fifth Third changed my mortgage payment amount as a result of an escrow adjustment and did not notify me either via mail, email or on their own payment portal. I continued to make the payments in the old payment amount as that continued to be reflected in their portal and I had no knowledge of the XXXX dollar change Fifth Third did not credit any of the payments made to them since the amount was XXXX dollars lower than they expected to receive I found out only when I applied for a loan from my local bank and they told me that I was late making payments to Fifth Third. I showed the local bank the payments made electronically out of my account to Fifth Third but it still resulted in my being denied the loan. 
Contacting Fifth Third to try to sort out what happened was a months long nightmare I was told repeatedly everyone was " working from home because of the pandemic and some things had fallen through the cracks '' by one employee who promised to resolve this and told me I would hear back via phone from a supervisor which never happened. I continued to call and ultimately was told they had not credited the payments because of the escrow change and had held all of the payments I made in some sort of unclaimed funds account, waited a certain period ( I was told 30, 60 and 90 days by different employees ) and that they had then mailed the money back to me via check.

I have to date received NO checks Fifth Third acknowledges they were never cashed So essentially they have my money ( somewhere between XXXX and XXXX XXXX dollars given their portal and lack of communication it is not super clear to me when they stopped crediting payments I was making )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASE. I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed. This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money. Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help. It is not the first time they block my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TN

Complaint narrative:
I called XXXX XXXX  who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with Experian to get it fixed. XXXX XXXX  rejected my dispute, so I then sent more information to Experian. Documentation from XXXX showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing Experian would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX  is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to 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 non-monetary relief
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
XXXX visa/XXXX XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times

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 2021-11-16 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: GA

Complaint narrative:
XXXX XXXX  account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs

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