vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: SC

Complaint narrative:
I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.

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 2021-07-21 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: SC

Complaint narrative:
I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I opened an account with Coinbase and over the course of a year+ I slowly purchased a wide range of crypto currencies. At the end of XXXX I went to purchase {$100.00} worth of Bitcoin. The purchase fell to an old debit card I had on file with them. The payment couldn't go through on that card but I had my new card on file as well which was fine the purchase actually did go through on that. Coinbase claimed they never got the money. They did. They then shut down my account at the end of XXXX completely cutting off access to the XXXX I had in my account. 

It's been two months since this has happen and I've filed 10+ tickets, complaints with them, I've tried calling, tweeting at them and filed complaints with : the SEC , Coinbase, XXXX and FTC .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I saw in my public credit reports that I have a dent of {$180.00} from XXXX XXXX and I did not sign up for that at all. And I'm trying really hard to build my credit and that's definitely not helping and is stressing me out.

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 2021-07-21 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: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
Due to unfortunate circumstances, I was forced to file bankruptcy. The account with check n go, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have some concerns about how my deceased fathers bank account at TD Bank was managed prior to his death. The TD Bank Fraud Department was informed by XXXX, who managed his IRA, that he was a victim of on-going fraud and scams. This notification was shared with the TD Bank fraud team on XX/XX/XXXX. While a customer of TD Bank, I also personally reached out to two branch managers at the TD Bank XXXX branch to alert them that my father is a victim of fraud. This did not result in any changes to their handling of his account. 

Between XX/XX/XXXX and XX/XX/XXXX, when he took his own life as a result of financial distress, I believe that TD Bank did not follow proper procedures in order to protect him and his assets. 

My father sold his home and made a large deposit of {$280000.00} into his TD Bank account on XX/XX/XXXX. On several occasions, my father walked into different branches on the same day and withdrew large amounts of cash without question. On XX/XX/XXXX, he went into a branch and withdrew {$15000.00} in cash. The very next day, on XX/XX/XXXX, he withdrew another {$15000.00} in cash. On XX/XX/XXXX, he took out another {$16000.00} in cash. On XXXX, he pulled out another {$33000.00} in cash. 

In addition, he made two large wire transfers out of his account. On XX/XX/XXXX, he wire transferred {$65000.00}. And, again on XX/XX/XXXX, he wire transferred another {$95000.00}. 

He essentially was allowed to drain his entire TD Bank account between XX/XX/XXXX and XX/XX/XXXX. As far as I can tell, there was little oversight to his suspicious transactions. He eventually took his own life on XX/XX/XXXX, stating in his suicide note that his death was a result of financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: DC

Complaint narrative:
i was trying pay my credit card bill with my us bank focus card, my credit card company say XXXX XXXX say the transaction was decline as fraud why did you gus decline my trasaction saying it wasnt me, now they closing my credit account. they now requesting for you all to fax or email them who is the onwer of the account and why did the transaction decline XXXX fax number 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 2021-07-21 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: VA

Complaint narrative:
i have contact eqifax about the inquries being wrong multiple times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have a lease loan with Chase Bank. In XX/XX/2020, I incurred toll fees with XXXX XXXX in the amount of XXXX. I paid that on my XXXX bill and the fee was again on my XXXX bill ( while it also showed I paid it in XXXX ). This happened again in XXXX and I paid it not realizing it. In XXXX, I was charged again and called Chase and emailed my bank statement. I told them to look at my statement to see the fee being charge meanwhile it also shows I already paid it. Should be simple?! It shows on the bills that I paid it, but they continued to charge it to me again. Unlike other companies, I do not pay XXXX XXXX direct, I have to pay Chase and then they pay it for me. In XXXX, the XXXX fee stopped, but a new one appeared as I incurred more tolls in XXXX. I paid this and it showed again. This has been going on each month since XXXX with maybe one month it hasn't. I went to XXXX and spoke to finance and store manager. They couldn't understand why I was having this issue and could provide no help. I made a XXXX  complaint in which a XXXX  Chase representative contacted me. I submitted all paperwork and still no resolution. They continue to send me an itemized invoice ( that isn't accurate ) and write to the XXXX  the complaint has been resolved when I told them it hasn't. They told me a payment was reversed and I spoke to my bank manager to say the only thing on my account is my charges to Chase Bank with the fees. Because of this my extra fees I have been late. My normal payment has been higher each month and I receive late fees. I've requested via phone my payment date changed and I am told they will do it ; however it is not completed. I've also received late fees during a grace period I've been told over and over I have. This fees continue and have not been refunded. 
Late fee- I've been told " there is no grace period, but have 10 days after due date ( 14 ) before a late fee is assessed. " " We received a notice from the state regarding your unpaid citation. In accordance with your lease agreement, we have paid the citation and billed your account '' I have been charged the same toll fees over and over. Something in their system is not working and I'm suffering because of it. I can't believe my bank, my attorney, XXXX and others can understand this issue, but Chase Bank can not. 
I have over 100 pages of documents that I will scan if have to, but my current scanner will not take all of it. This includes my Chase statements showing the charged fee and that I paid it before along with my personal bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have contacted the purported original creditor ( XXXX XXXX  ) and the only only record of an account bearing my name, signature, and information is the one currently open and active on my credit report which is good standing and never had a late payment. 

Multiple requests for Midland funding to prove my responsibility of debt by producing signed contract for the account and they refuse to. The account is still on my credit report and they have never responded to my written requests for original documentation. 

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX mo XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This account is showing as open and they have increased the alleged debt rather than removing or producing evidence of my liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo garnished my STIMULUS THATS IRS SAID WAS ILLEGAL TO garnish regardless of how late I received my stimulus! For a overdraft that was on my account by error of WELLS FARGO! No matter how many times you tell Wells Fargo that money was stolen out your account they will not care! Wells Fargo are thieves they need to be investigated!!!

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 2021-07-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
these accounts appear on my credit report, they do not belong to me, please check them. 
Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
I disputed a collection account to Equifax, the account continues to remain although my information was shared without my permission. My privacy was violated by XXXX XXXX XXXX, this must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
I received a letter from TRS recovery services/XXXX  - Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, telephone XXXX, XXXX. Letter states they're communicating from a debt collector and its an attempt to collect debt and that any information obtained will be used for that purpose. Reason Check returned, account closed. The amount they are trying to collect is TRS/XXXX  for {$28.00}, fee {$25.00} total amount due {$53.00}. It also states to send the money to Return Mail Processing Center, XXXX. XXXX XXXX, XXXX, GA XXXX. I called my bank and they warned me that it was fraud because another customer had reported the same. I call XXXX and they did have the correct amount but I did not owe them anything because my purchase had gone through ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute due to a " fraudulent account '' on in my credit files with XXXX, XXXX, and XXXX.

REASON : The reported account by the Portfolio Recovery collection agency is unverifiable and fraudulent ( # XXXX ) : 1 ). Hence, I am disputing the fraudulent collection account in the amount of {$1300.00} ( {$1300.00} ).

Within thirty ( 30 ) days, please permanently remove the aforementioned Portfolio Recovery Associates collection account from my 3 credit files / reports. I also request you verify the FRAUD ALERTS are in place on my credit files. 

Warmest Regards, XXXX XXXX XXXX, XXXX, XXXX. 





CC : XXXX, XXXX XXXX XXXX XXXX, Portfolio Recovery Associates, LLC., XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: WI

Complaint narrative:
Due to unfortunate circumstances, I was forced to file bankruptcy. The account with XXXX XXXX XXXX, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.

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 2021-07-21 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I disputed a collection account to XXXX, the account continues to remain although my information was shared without my permission. My privacy was violated by National Credit Adjusters, this must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 Ars Natl Svc called me and did not leave a voicemail. After XXXX  this company, I found out that they were debt collectors. I reached out to an online rep to get an address so that I could mail this company a letter stating that the debt is disputed and to provide validation. I never received any written notice or a letter stating that I had the right to dispute, so I sent a dispute letter anyway so that I was within my time limits of the FCRA when responding to debt collectors. On XX/XX/2021 I sent the dispute letter to this company via certified mail to the address that a rep gave me. It is now XX/XX/2021 and this company is calling me again leaving no voicemails and sending no validation letters. The company resumed calling me XX/XX/2021. I still have not received any written notice or response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
After being layoff at XXXX XXXX XXXX on XX/XX/2009. Also, I have applied for XXXX XXXX  XXXX XXXX XXXX XXXX jobs. I set up accounts with Region Bank, Region Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, and XXXX XXXX  while residing at XXXX XXXX  XXXX XXXX and renting properties XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX Louisiana. ( Reference : Consumer Complaint XXXX XXXX Bank fraud and white collar Crime in the United States involving these states ( Alabama, Georgia, Louisiana, Alaska, Texas, Mississippi, New York and Arkansas, North Carolina, South Carolina and Florida ). There ethical issues facing corporations, managers and employees have grown in significantly. Banks have two tellers per institutions and one Customer Service Representatives and Branch Manager. I truly believe employees have accepted gifts. 
In addition, medical treatment for unprivileged citizens. Bonusess, housing allowance for veterans, state, city and federal employees.The contracts were issued by The Department of Homeland Security and Federal Emergency Management Agencies.

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 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX I asked to come out of a mortgage deferment program with Chase, which was originally supposed to end XX/XX/XXXX. I was assured by a 'manager ' on the phone that I would be taken out of the program. At that time I paid all the deferred payments ( XX/XX/XXXX ), and have made my normal monthly payment since. The account is current and has no missed payments. 

Chase extended my deferment to XX/XX/XXXX without notifying me or any input or agreement from me. Based on my interactions with Chase, I had no idea this was done. I received no communication about it. Additionally, they have held payments I made to the mortgage as 'unapplied ' funds, resulting in me having to continually call someone to apply the payments. 

Chase confirmed by phone that I requested to be out of the program in XXXX, but it might not have been processed because their system takes a month to update. Unfortunately, they won't fix the issue or provide me anything in writing or electronically. I've been trying to refinance my mortgage to take advantage of better terms in the market, and I've been unable to do so because of their error. Every lender I've talked to won't work with me because my loan is considered 'deferred. ' This has resulted in considerable lost money ( appraisal fees for applications that go nowhere, higher mortgage payments because Chase 's error is keeping me from refinancing to better terms ) and considerable lost time ( going thru the refinance process with lenders only to have one last unresolvable underwriting issue - caused by Chase ). 

I believe Chase is doing this to intentionally make it hard for me to refinance and take my business elsewhere. I've received 0 resolution after multiple time contacting them and multiple escalations.

Company response to consumer: Closed with explanation