vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few Inquiries on my credit report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few Inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2021 my lease with ally was paid off due do an insurance claim. I received multiple calls after about a balance that was owed for XXXX after the payoff. I did not understand why there was a balance and rep could not explain either so I asked for a detailed letter explaining the charges.I did however make a payment for XXXX after the just so I wouldn't have any collections hit my credit report. In XXXX I received a detailed breakdown of fees and it explained that the balance was my insurance deductible which I had believed I would've received a bill from my insurance company. Which left me skeptical, so I reach out to my insurance company to verify which I told Ally I was going to do. Once I received confirmation paid Ally off. The following month XXXX my correct report showed I had been in collections since XXXX for XXXX. I called Ally to dispute and to no avail no a soul understood what I was talking about they just kept saying my account is paid off in good standing but in fact it's not and this has hurt my credit score tremendously. I have never missed a payment and for Ally to put 4 months of collections on my account is not only wrong but big a inconvenience to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a bankruptcy on my credit report. All the information was totally incorrect including the spelling of my name and birthday. I wrote the credit berueas. All three say that they got this information from XXXX XXXX and is valid. I wrote lexis XXXX and they sent this attached letter stating that this and other items are no longer on my report. I just got a letter today from Experian stating that they contacted XXXX XXXX and they said the Bankrupcy was valid. This is clearly fabricated. I would like them to remove this from my credit because it's not valid and totally against my rights. I attached letters from XXXX XXXX And Experian. XXXX XXXX and XXXX  sent me email notifications that the bancrupcy was valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I emailed Navient two months ago about taking my loans out of forbarrence. They did not. I'm also concerned that they steered my loans into forbarrence without giving me the knowledge of what it was and what it means. I simply want to pay off my student debt it doesn't matter if it takes me 10yrs I would like to see my student loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
I filed a claim with Chime Bank on XX/XX/2021 for the amount of {$100.00} for XXXX XXXX XXXX XXXX. Chime Bank denied my claim on XX/XX/2021. I followed the procedure to receive the documents used in the determination of the denial. Chime Bank provided me a copy of an invoice with no explanation at all. 

Chime Bank does not properly investigate fraudulent claims. I expressed to them that I do not reside in the XXXX XXXX XXXXXXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I had a late payment that was 30 days late in XX/XX/2019. I quickly caught my payment up. The reason I was late was that the omnibus hadn't been signed yet and I was furloughed. As soon as I was reimbursed, I paid the payment. I had never been late prior to or since then. I've asked the company to make a good faith revision of the credit reporting and they refused. It's just not fair that the government budget wasn't signed in time and my credit suffers. Especially when I have an impeccable payment history. It had never occurred before or after this. This is really hurting XXXX employees if they don't have savings to cover the bills due while missing paychecks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. There is no third party involved. I submitted my negotiable instrument paid in full to your company via certified mail and am in need of immediate discharge and correction on my 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 2021-09-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I found a couples inquires on my report that I do not recognize. I have called and sent a letter to Equifax about this matter but nothing has been done. The Equifax agent I spoke to, told me to call each company and ask them for permissible purpose! Are you kidding me? it is your job Equifax, to verify that those companies have my permission and my consent before checking my credit! I am not doing your job for you! There is a fraud alert on my 3 credit reports because of irregularities like that. I did not authorize those inquiries, I do not know those companies and I do not do business with them. Show me a proof ( my signature or oral consent ) that I have authorized those inquiries or remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: GA

Complaint narrative:
XXXX  XXXX - This account is not mine. I have contacted them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I did not purchase anything from them. I have disputed this but had no resolutions. My personal information was used without my permission to process transactions and open an account without my knowledge. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: GA

Complaint narrative:
XXXX  XXXX - This account is not mine. I have contacted them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I did not purchase anything from them. I have disputed this but had no resolutions. My personal information was used without my permission to process transactions and open an account without my knowledge. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX  my phone stopped working. 
I contacted XXXX XXXX XXXX which took several hours and they told me that my phone number was ported to XXXX. I asked who authorized the port and they said I did. I asked what is needed to port the phone number. They said on business accounts you need. 
Business name - Public information Business Address _ Public Information Tax ID # - Public information Cellular account # They would not allow the reversal because the number was no longer associated with XXXX XXXX XXXX. 
I had to go through a Fraud process and XXXX XXXX XXXX had to request it back from XXXX. 
I also called XXXX and pleaded with them that my number was illegally ported and if they could at least suspend the number. No one would help. 

Meanwhile the hacker at XXXX XXXX  initiated a password reset of my email account and a password reset of and a transaction at Coinbase. 
According to coinbase rules and regulations, when there is a password reset, and a transaction is initiated from a new device, there is a mandatory 24 hour hold on the transaction to avoid any type of fraudulent activity. I contacted coinbase within 90 minutes of the hack. 
The hacker also set up a XXXX on my email account so I was locked out. 
My computer at work was fortunately still logged in but I had to wait until the next morning to check it. Meanwhile I made a support ticket at coinbase and notified them that my phone and email had been hacked and to freeze my account. I did this at around XXXX XX/XX/XXXX. 

Coinbase responded at XXXX XXXX  on XX/XX/XXXX confirming my request. 
Coinbase  sent me an email at XXXX am XX/XX/XXXX - stating they were working with a specialist to address the issue. 
The next morning I checked my email at work. My computer was still logged inland I was able to check the activity that the hacker did, but was unable to take control back because of the XXXX. I found some information on the hacker. 
Email : XXXX Platform : XXXX Browser ; XXXX IP Address : XXXX I sent this info to coinbase at XXXX XXXX  XX/XX/XXXX They responded at XXXX XXXX  XX/XX/XXXX With the same generic email, stating that a specialist was working on it. 

Since then they have been non responsive. 
I have a police report, I contacted the FBI, and now in need of your help. 

To date there is over {$600000.00} in cryptocurrency that is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is a follow-up to CFPB Ref No. XXXX-XXXX  that AMEX closed saying that they have resolved the matter. The matter is not closed. Since XX/XX/XXXX, I have been contacting AMEX to -1st - have payments I made to the wrong AMEX account ( that is closed ) transferred to another AMEX account or - 2nd - get a wire transfer refund for those payments summing to {$4600.00} so that I can place the credits on the correct account myself. 

AMEX has not refunded my money and, on XX/XX/XXXX, wrote a letter to CFPB and yours truly saying that they requested a wire transfer refund on XX/XX/XXXX that I should receive in 2-3 days. Today is XX/XX/XXXX and still don't have my refund. Thus, I'm opening up another complaint on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank Mortgage Loan Default Mortgage Loan Account XXXX Phone Call ( XXXX ) XXXX Tuesday, XX/XX/2021 Time : XXXX XXXX  Correspondence : Delivered via USPS Tuesday, XX/XX/2021 XXXX XXXX  Date : XX/XX/2021 Account : XXXX Important Information Regarding Your Mortgage Loan Default Contacts : XXXX ID XXXX XXXX ID XXXX, supervisor ( XXXX ) XXXX Call Center Supervisor Will return call later this afternoon XXXX returned call Tuesday, XX/XX/2021 at XXXX XXXX. 
Made XXXX XXXX XXXX XXXX payment {$540.00} escrow increase. 

Escrow XXXX New payment {$1300.00} Thursday, XX/XX/2021 XXXX XXXX  Missed Call ( XXXX ) XXXX My name is XXXX I'm calling from fifth third Bank I'm trying to reach XXXX XXXX if you could please return my phone call at XXXX I'm sorry at XXXX that is my toll-free line is XXXX my name is XXXX and I just wan na discuss some of your concerns today thank you very much and have a great day Returned call at XXXX XXXX  ( XXXX ) XXXX XXXX, Collections Department Told her I was dealing with XXXX, and she stated there was no such XXXX ID of XXXX. 
Put me on hold. 
Need to report to a XXXX Placed on hold. 
Attempt to call XXXX at XXXX XXXX XXXX XXXX Picked up be someone else and he disconnected call. 

XXXX Loss Mitigation and Hardship Attempt to call XXXX at XXXX XXXX ) XXXX States checks were sent via USPS XX/XX/2021 Check Number XXXX {$1200.00} XX/XX/2021 Check Number XXXX {$1200.00} Monday, XX/XX/2021 XXXX, Resolution Department XXXX XXXX XXXX will apply the {$540.00} payment towards escrow shortage. 
Will return call in 2 to 3 business days. 

New Monthly Payment {$1300.00} {$120.00} Friday, XX/XX/2021 Call from XXXX at XXXX XXXX  Still working on letter detailing resolution of escrow account and mortgage. 
Said to email letter to her to request cancellation of escrow by Fifth Third Bank. 
XXXX Monday, XX/XX/2021 XXXX XXXX  Received call from XXXX, Resolution Department XXXX XXXX She states Fifth Third Bank will not allow me to have my property appraised in order for me to remove escrow on my mortgage loan account. Just last week XXXX ( last name unknown, refused to divulge ) stated I would be sent form for requesting an appraisal after I submitted a letter to her requesting an appraisal, which I sent to her on XX/XX/2021 XXXX XXXX. 

Informed XXXX, Resolution Department, she was being advesarial with me, requested to speak to her supervisor, and she denied my request, stated she was as high as I can go. 

I told her I wanted no further contact from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XX/XX/2019 BMW FINANCIAL SERVICE, reported my payment as late. I set up an auto payment that month because I went of town. It obviously didn't go through on their end because all other payments were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I was notified of a new debt collection from CCS of {$120.00} for XXXX XXXX. This is the first Id heard of this. I contacted CCS and the agent wasnt able to find my file with my current information I provided. It took him some time and I was listed under extremely old information. He stated that a letter had been sent to me but I had never received this and he couldnt verify when it was sent. I paid the balance and requested that the collection be removed from my credit immediately. He stated that it would be 7-10 days before it updates to paid but would not be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: OH

Complaint narrative:
I was the victim of identity theft. I filled out an affidavit, police report and I filed disputes online and with the original creditor requesting proof of the accounts. I was NOT provided any proof and the credit reporting bureaus did not remove the items. I have asked repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: CO

Complaint narrative:
I never used this card, there were fraudulent charges on this card from a XXXX XXXX. 
I called the dispute line, I sent copies of the complaint and they tried to charge me overdraft fee 's on fraudulent charges that were in dispute. 
Case number XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MI

Complaint narrative:
made pay to delete arrangement with XXXX XXXX. please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: GA

Complaint narrative:
1. On or around XXXX XXXX, XXXX I sent a XXXX XXXX to XXXX in connection with the earthquake relief. I sent XXXX XXXX dollars using my Discover card. 

2. I was unaware it was considered a cash advance or that there would be a XXXX dollar fee. 

3. The recipient did not pick up the funds after two weeks ; and XXXX refunded the funds to me on or around XXXX XXXX, XXXX 

4. On XXXX XXXX, XXXX  I called Discover Card for a refund of the XXXX dollars. They refused to provide the refund at first saying that they do not provide cash advance fee refunds for refunded associated transactions. I think that's basically and fundamentally unjust and incorrect and improper policy. 

5. They made a one time exception because they agreed I did not even know there would be a fee. Otherwise they would not have refunded the cash advance fee despite the refund of the associated charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: MI

Complaint narrative:
made pay to delete arrangement with XXXX XXXX. please delete.

Company response to consumer: Closed with explanation