vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: NC

Complaint narrative:
this message is against XXXX, experian, and XXXX. i was the victim of identity theft and fraud etc. i sent these credit reporting agencies multiple ftc id theft reports and police report and cover letters. they refuse to delete all inquiries and accounts that i reported as fraudulent. i will attach the ftc report for them to see, as well as police 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 non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
Back in XXXX I was supposed to receive my XXXX card as part of the stimulus package for 2021. Someone in my household intercepted the letter that contained my card, and told me it never showed up. I put off calling on it until this XX/XX/2021. Mostly because I figured if anything I'd claim it on my taxes next year if they never sent it to me. But something told me to check by calling the company to see if a replacement or something could be sent out. I then asked if there was even still a balance left on the card and they said that no, there wasn't. So I didn't become aware of the fact that the card had been stolen and used until 8 months down the road. To activate these cards, someone needs the last six numbers of your social security number. Easy enough for a housemate of mine to access considering my tax documents are present in many of my files in various accessible places in our home. I went ahead and asked the representative to give me the information on which merchants had been visited and my funds had been spent at. I recorded the information down so I could begin the dispute process and file a police report. I submitted my written claim in the alotted time, with the copy of the police report and waited. Today I received a denial of my claim in the mail, citing " inconsistent information '' as their reasoning for denying my fraud claim. I am beyond frustrated. I have no clue how to remedy this but most of all I don't understand where in the world the information was inconsistent considering the police report I filed corroborated the information they gave me about the charges on the card, and all the info on the dispute form matched the police report and the bank statements. I just don't understand why they wouldn't honor a claim that gave all the necessary information. I didn't even know my card was stolen until I called to see if I could just get a replacement since I was under the impression the first one just got lost in the mail. MoneyNetwork, the company that handles distribution of the XXXX cards for stimulus check funds, is the company in question here. They have been less than helpful and if anything negligent in handling this efficiently in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I filed a dispute with wells fargo because there was fraud charges from my account going to XXXX and 20 minutes after i submitted this claim to Wells Fargo, My online banking was shutdown and i can not access my online banking because i filed a fraud charge dispute.

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 2021-12-30 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:
I have tried to remove false debt collections that's reporting on my credit report. Both of these companies are showing inaccurate information on my credit report that I know nothing of. I will share documents below to show the letters I sent to the credit bureaus of the inaccurate information and its still reporting to this day. I also sent letters to XXXX XXXX XXXX and XXXX XXXX of proof of validation and haven't received an respond back on their part. These debt are negatively affecting my report which is affecting my life in many ways. I also provided screenshots of how its showing on my credit reports. All reporting different information. I am a victim of identity theft and I'm writing this to dispute information in my file resulting from the crime. Please remove these collections off my credit report for fraud and inaccurate reporting information as soon as possible. I reported the theft to the Federal Trade Commission and also attached the identity theft affidavit. 

- XXXX XXXX XXXX Account number- XXXX Date opened- XX/XX/XXXX Balance - {$6000.00} ( a month ago it was {$5900.00}. How is a balance still going up for an closed account? ) - XXXX XXXX Account Number- XXXX Date open- XX/XX/XXXX Balance- {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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.

Complaint narrative:
I tried to sign into my Coinbase & Coinbase pro account around XX/XX/21 I got an error message stating my account had been temporarily disabled and to contact support. 

I have contacted support by opening over 20 support cases over the last 3 months but every case is closed without me receiving any help or information. 
I have requested the details of their financial ombudsman but they refuse to share this with me. 
I have opened a complaint case also but they do not respond. 

They are withholding my entire life savings and I am in extreme mounting debt because of this. 
They have ruined my XXXX as I have not had access to my savings. 
I am in debt from borrowing money to pay my bills. 

Please have them open my account so I can have my life savings back before I lose everything I have worked my whole life for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I purchased a vehicle with prestige financial located in utah. Alot of finance companies love Virginia because if your car gets repossessed you are still responsible for the loan unless one of two things happened. 1 the vehicle was repossessed and you were unable to attempt to retrieve your belongings in which i was never even told where my belongings were being held. 2. The vehicle is sold for an unacceptable amount. The car was sold to me for XXXX but sold at auction for XXXX. That is not an acceptable amount. They also attempted to say the car came back a bio hazard which is totally false. No way you only spend XXXX to prep a car for auction if its a biohazard that was a carpet steam clean. They have even gone so far as to continuing hitting my credit every month AND create Court cases and NOT show up. Because they no they will lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX 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 non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX I was in XXXX XX/XX/2021 I bought a water park ticket. The cost was {$1100.00} the merchant never deliver the service or the ticket ask the to refund it. They said, I would see the refund in three business days. However since I did not believe them I dispute the charge immediately with the credit card company. A month letter send me a statement showing a XXXX balance and I received another letter the dispute denied favoring the merchant. I submit proof of our conversation with the merchant promising I would see the refund and I also explained to the credit card company that I have never received the ticket. It was redisputed two times more still the favor the merchant. I have been client with them more than 15 years. I have never late on my payment and I have never carried a balance yet still failed me to protect me. I should not be paying penny! 

Sincerely 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 2021-12-30 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: FL

Complaint narrative:
of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX 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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Around XX/XX/2021 I applied for a XXXX Credit Card. My credit score through XXXX is around a XXXX, I was denied and on XX/XX/2021 I received a letter from XXXXXXXX XXXX stating the information they received from Transunion is the reason for the denial. I went to Transunion Website and put in my user name and password and it wouldnt let me in at first. I was then able to get in to the website but after putting in all the correct information I was denied access to view my credit report. I called the number and spoke to a supervisor named XXXX who informed me that there were XXXX credit reports and they needed to fix that first before I could view mine. I argued that if a credit card company was able to view it and I was denied credit due to what was on the report I should be able to view it as they were.I was told that wouldnt be possible and I should call back in 5 business days. I want to know how there is 2 credit reports { I was told it happened when someone was reporting about me and whoever was inputting the information had made an error } That makes no sense! I have a right to my credit report and I want to view it since I was denied a credit card because of it. I then tried to obtain it through XXXX and was denied on that website as well.

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 2021-12-30 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover is reporting inaccurate information to XXXX XXXX XXXX regarding an identity theft account that does not belong to me. I have sent all documentation validating that the account is not mines and they have refused to stop reporting inaccurate information. This is a violation of the FCRA laws and I will be force to sue if they do not stop reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ADP Inc.
State: WI

Complaint narrative:
I called Monday XX/XX/XXXX and the XXXX about closing my account and they tell me it's closed but yet my direct deposit into my regular bank account didn't go through. There was also another point of contact when my card was just turned off. I can not enter my old account info, it won't let me. They XXXX  me again and now I didn't get paid today. I want my wisely account deleted completely and my old information restored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I mailed in asking for a letter of verification and multiple times my mail was refused and returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: IL

Complaint narrative:
I have submitted a challenge for validation of an identity theft account that Transunion has not properly verified. They have violated the FCRA laws by not removing or blocking the account under the 605B within 4 days and every other credit bureau has been in compliance.

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 2021-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
" CAPITAL ONE BANK USA '' makes an inquiry on my report every month. I have never authorised Capital One in any way to access my report. I have never applied for a Capital One Bank credit card or checking/savings account in the history of my credit. I have no connection to this bank and I would not like this to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
My mortgage was increased from {$1100.00} in XXXX of 2021 because of a escrow shortage for taxes of around $ XXXXMidland stated they could charge double for escrow shorts and increased my annual payment by {$850.00} divided by XXXXI paid the {$850.00} shortage to my escrow and paid the mortgage payment that had increased.I requested a escrow analysis and they only lowered my payment by $ XXXX.My payment should have gone back to the original payment of {$1100.00} since I paid the escrow short.There is no reason for midland to continue to collect the {$850.00} annually for my escrow and increase my Mortgage payment.I paid the {$850.00} escrow payment around XX/XX/XXXX XXXXThe analysis was done in XXXX of 2021 and the result was a {$4.00} decrease.I need my mortgage payment to return to {$1100.00} monthly.

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 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
THIS IS NOW MY SECOND ATTEMPT TO RESOLVE THIS DEBT. On XX/XX/2021 I sent a certified letter to this company asking the for a dunning notice as well as validation of this debt. The certified mail number is XXXX. They claim they didnt receive this letter but is was picked up by someone in their office on XX/XX/2021. I then sent another certified mail letter dated XXXX/XXXXXX/XX/XXXX number XXXX which was picked up by someone int their office on XX/XX/2021. I also called in to to speak with a Supervisor on XX/XX/2021 and asked if they received my disputes.they stated that they sent me proof of debts owed to an address of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Pa which I do not live. They then proceeded to tell me that the address they had on file was my current address which I found odd. They also told me that they would send me an email with proof of debt within XXXX4hrs via email which they verified that they had. I still have never received this email. I then called back on XX/XX/2021 and Spoke with XXXX XXXX and he told me that he would send me an email with validation of debt and still no email. At this point they are past several violations of the FDCPA and FCRA. I have no other choice to pursue legal action if this account is not deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
In XXXX I had a loan through XXXX XXXX. Due to the high interest amount I was not able to pay off the debt completely. NCA recently purchased the debt and reported the debt as opened in XXXX. I have contact NCA and XXXX XXXX. NCA was not able to assist. I have disputed multiple times and had the account removed completely. NCA places the balance back on my account with the wrong opened date. This caused me to be denied for a recent loan because the open date was too soon. They refused to update the information to the correct opened date.

Company response to consumer: Closed with explanation