vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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: TX

Complaint narrative:
I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. FTC HAS BEEN FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I experienced a phishing email scam that said my Coinbase account was disabled then had my Coinbase account stolen from. The funds stolen from were worth around {$3400.00} at that time. I fell for the email phishing on my mobile device and put in my account information for Coinbase and my XXXX mail account. I contacted Coinbase the next day to see if they can cancel the transaction or reimburse me, which they said no to. I am both embarrassed and frustrated that I fell for this and was so careless, but I expected Coinbase to be able to resolve it because they had the transaction numbers and the IP address of the attacker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 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 2021-10-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have tried since XX/XX/2021 to close out my late father 's Bank of America checking account.. No results. Emailed, mailed, and faxed estate services with scanned notarized documents and the notice to close account. 

Went to my local branch to get a rep to sort this out in mid XX/XX/2021 Every time I call estate services, I am on hold for over an hour and no one picks up. Tried using the online BOA chat app to no avail. 
Tweeted to BOA, no reply.

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have requested for XXXX, XXXX, and XXXX investigate accounts on my credit report, The investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 : XXXX Date of inquiry XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not possess this vehicle. this company still reporting this account each month

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not possess this vehicle. this company still reporting this account each month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not possess this vehicle. this company still reporting this account each month

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 2021-10-04 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: OH

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Chime bank. I had paid XXXX for a teen driving services and the services was never provided through XXXX XXXX XXXX in XXXX, Oh. Due to the fact they never had any sessions available. When I called and asked about it, I was told that I would just have to keep trying to find open sessions. I could not. I also emailed the company to receive a refund and never heard back. I was told by Chime bank that my dispute would be settled no later than XX/XX/2021.. Once that date came they stopped answering my messages concerning the status of my dispute. I have to call and I am told that it is still being investigated. As of today XX/XX/2021 I have no update on the status of my dispute They refuse to let me speak to the investigative team to see what is taking so long and wont give me any information about the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Good afternoon, Filing this complaint regarding illegal acts my mortgage company is committing on my home in XXXX XXXX XXXX My mortgage was previously discharged in a bankruptcy in XXXX, since then foreclosure proceedings were started in XX/XX/XXXX. There have numerous issues, some of which your office has investigated. Now a new servicer has now denied my deed in lieu request which had been previously accepted because I would not commit fraud by signing documents that contained false statements. A first request was sent to the servicer, and in response that made some corrections but others were created and others not fixed. After receiving the second draft of the deed-in-lieu documents, I again asked for the statements that I knew were false to be corrected, they failed to respond to my email asking to discuss the issues, and sent me a letter stating they are no longer honoring my request because I did not act in good faith. Which is not true, in my email to them after the second document received i clearly stated i am not refusing to proceed with the deed-in-lieu, that I'm not refusing to sign documents but that I am refusing to swear to a notary that documents I'm signing are true when I have already pointed out they are not true. 

So the servicer accepted my deed-in-lieu, then asked me to commit fraud by signing and swearing that everything contained in the document was true when I knew it was not, refused to correct the falsehoods, then breeched the contract, took back their acceptance because I would not sign fraudulent documents. 
Servicer ; Fay Servicing XXXX XXXX XXXX XXXX, IL. XXXX Fay Servicing , LLC XXXX XXXX XXXX IL, XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX. As Trustee For LSF9 Master Participation Trust For more details for my complaint, I have provided my contact information. 


XXXX XXXX XXXX ( XXXX ) -my now married name Property address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX Phone- XXXX Thank you and anticipate hearing from you. 

I am also filing a complaint with CPB, Federally at the Dept of Justice Additional documents can be mailed as support at request, too many to attach. Thank you in advance for your assistance in this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
ERC is reporting inaccurate, erroneous, unverfied/unvalidated information on my credit report. On XX/XX/2021 I sent a certified letter to XXXX regarding inaccurate and unvalidated information on my credit report being reported by ERC- account # XXXX see letter attached. I received a letter from XXXX stating that they verified the account as accurate. I also informed them of certified letters sent to ERC for validation of the account and they have been ignored. I have enclosed letters sent to ERC along with certified receipts showing that ERC is not Signing for Certified Letters. I also enclosed a screenshot of my credit report from XXXX dated XXXX where the account is not marked disputed, and a screen shot dated XX/XX/2021 account is marked disputed which could only mean ERC is receiving the letters and is refusing to validate this debt. Since this account was not verified by a human, I want this account remove from my credit file immediately, I do not have the money to keeping sending certified letters that not get answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have contacted chase about covid releife for our company credit card and their only solution to close my account instead of lowering my interest rate and they have reported to my personal credit report instead for a company credit card, this is the first time in 3 years they have done this. They reported on my credit for our company card and have destroyed my credit, i have contacted them repeatedly and told them we are not doing to well due to covid in california and they are unable or not willing to do anything to work with me, i have been making payments of XXXX a month and they are not satisfied with that,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Spoke to XXXX this morning and he did state that he did not want to debate with me on the issue. Called back and got another representative who has submitted a dispute and I uploaded my concern to the portal as well. Reached out to HUD and they stated the lender is responsible to retain the correct and adequate information and that CFPB would oversee any issues. Below is my concern. 

To whom it may concern~ I contacted Rushmore today in regards to two items. As it relates to the first item, the customer service representative has requested an investigation and I am following up in writing to also recap the issue.

1. Loan # XXXX was closed on XX/XX/XXXX and funded on XX/XX/XXXX. Your system reflected as closed and payment received on XX/XX/XXXX in your system. On XXXX XXXX, XXXX and XXXX XXXX, XXXX there were payments made reflected as a line item for FHA MIP monthly premium payments in the amount of {$220.00}. 
The new loan in which you were servicing loan # XXXX, since this was a FHA streamline refinance, had the first payment due XXXX, XXXX. On XXXX XXXX, XXXX there is a line item that also reflects a FHA MIP monthly premium payment in the amount of {$220.00}.

I would like for this to be addressed and the fund issued out immediately to me. I contacted HUD resource in regards to this matter and they stated as a lender you are to maintain the adequate records as it relates to these payments.

2. Loan number XXXX was paid in full XX/XX/XXXX, reflecting an escrow balance of {$270.00}. Please ensure that funds are returned to me or documentation as to what these funds were applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Investigation took more than 30 days
Company: AFNI INC.
State: CA

Complaint narrative:
I have requested for XXXX, XXXX, and XXXX investigate accounts on my credit report, The investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/21 my phone lost service around XXXX I tried to turn phone off and on noticed that my phone still wasnt working I then proceeded to check my email and noticed password reset to my email and coinbase account using sms XXXX. After noticing what was going on immediately contacted former cell provider XXXX XXXX XXXX XXXX XXXX them to transfer back my number to my phone because it was an unauthorized transfer, and regained access around XXXX to my cellphone. I than email and called coinbase number to lock my account which they failed to do and allowed the pending transfer that was on temporary hold until XX/XX/21 from XX/XX/21 to XX/XX/21 Ive been in contact with coinbase support who admitted in email they noticed and unauthorized transactions stealing {$7000.00} out of my account and additional {$1000.00} from my bank and that it was my fault for not securing my information properly which is false I did secure all information. They also repeatedly blocked my email every time I responded to them. On XXXX coinbase reveal that there was a breach in the company dating back to XXXX and XXXX customers including myself was a victim to hacks by a bad actor and that they would refund customers affected. On XXXX I asked company for promised refund due to the company security flaw they denied security flaw and reimbursement and stated that it was my fault today on XXXX that my information was breached and that they wouldnt reimburse me. I think the company is stealing from the customers and trying to cover it up since they are not regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened a credit card with apple. Shortly after making a donation to winred via Apple Pay which uses my Apple Card they blocked the card. The company refuses to help me unblock the card they are also refusing to give any guidance as to why or fix it. They are trying to ruin my credit for donating to an opposing political party as a war vet I find this absolutely disgusting. I have contacted XXXX XXXX by email to help motivate his team to do the right thing and yet the customer service is continuously classless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Credit Collection Services reported their unverified medical account to my credit file on XX/XX/2021. I have no idea how Credit Collection Services received my personal medical information. I have not agreed to do any business with Credit Collection Services, I have not received any goods or services from Credit Collection Services, nor am I responsible for their debt collection purchase from their alleged client. Credit Collection Services have violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belonbg to me. Credit Collection Services are acting as attorneys violating the FDCPA attempting to collect on an alleged debt without providing any proof of service or goods. I will upload proof upon request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello this is XXXX XXXX with current address at XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX My account number is XXXX I'm your customer for over 2 years now. 
So far everything goes well with my XXXX project account.

Im writing because I noticed that my most recent credit report contains a late payment reported that is really hurting my credit now.

I want you to know that I understand my financial obligations. Id have an excellent repayment records. 
I made a mistake in falling behind, because I was out of country for 2 months and due to Covid-19 Travel restrictions I was not able to come back on time and do my payment in timely manner.

My payment history for the last 9 years was 100 % up until this belated accident.

We all know how difficult was in the last two years with COVID-19 and I still tried to do my best.

Thank you for your consideration, and I hope you'll will help me to resolve this issue.

Best regards.

Company response to consumer: Closed with explanation