vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: GA

Complaint narrative:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX, Experian, and XXXX in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

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 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase Case # XXXX - Can not View XXXX Opened a support case on XX/XX/XXXX. The issue had been going on for a week or more. Using the app, I can see my balance but when I try to look at my portfolio breakdown, it pops up with a message " We're having connection issues please try again later ''. I have not been able to access my funds for nearly three weeks! 

Support has been no help at all, can't get help from a real human being. I have over $ XXXX in Coinbase that I can not touch at this time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
- No answer from customer / refusal to help with questions - Late Fees tagged and back dated from statements for unknown reasons - Capitalized loan at 6 % - Had recurring payments set up to receive no late fees / discount on APR - False information given regarding credit reporting - Accounting/Finance system generates errors - Does not follow legal repayment plan ( Was told incorrect amounts ) - Can not prove why my payments and interest are what they are - Management refuses to help - Mismanagement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: LEXISNEXIS
State: TX

Complaint narrative:
On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have landed into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Found this on my credit report!! 

I have not had a XXXX account since XXXX! Last I had a XXXX account it was settled completely after removing service! This is hurting my credit ... please help me mkae it go away Derogatory marks View all accounts COLLECTIONS Southwest Credit Sys Opened XX/XX/XXXX {$220.00} Original creditor : XXXX Overview You have 100 % left to pay on this collection. 

Balance {$220.00} Highest Balance {$220.00} Opened XXXX XXXX, XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXXXXXX XXXX XXXX SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: OH

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
Issue with Ria money transfer service. 
I send money to my XXXX account XXXX usd.but they deposit my money to wrong account. 
In receipt my account no is shown XXXX. 
But my actual account is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
XXXX XXXX. 
So I already talked with RIA money via email ... they accepted that money transfer to wrong person. 
Now they don't give me my money back. 
They waiting for money back from that person where they deposit. 
RIA money every time send me email " your money recall is in process " But up to still today I don't get my money back. 
Transfer details PIN : XXXX Transfer date XXXX XXXX. 
XXXX usd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
During the covid 19 shut down the government failed America by cutting pandemic relief for failing to negotiate like professionals. In XX/XX/2020. I reached out to capital one for assistance because due to loss of unemployment relief income I could not make my full car payment. Which I was paying as agreed with no issues prior to 100 % reduction in my income. As mentioned in The Cares act, I made arrangements to stay current with Capital One Auto in advance. 

They put me on a deferment. I paid every payment as agreed but they still reported the agreement as past due 4 times on my credit. This is now preventing me from qualifying to rent another home and I will now be homeless due to them not following the guidelines in CARE ACT. 

The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief lender should report payment as paid as agreed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a request to XXXX  to investigate and remove these in accurate items from my credit report on XX/XX/2021 and have yet to get a response from the and none of the items on my report have been removed either and these items are impacting my report negatively and are keeping me from moving forward in life at this point so I need them removed since the FCRA clearly states if any items can not be verified within 30 days they must be removed.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have a loan with ACIMA CREDIT FKA XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ACIMA CREDIT FKA XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and ACIMA CREDIT FKA XXXX with no successful resolution.XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I put down a deposit for a moving company on my credit card. I was assured the deposit was fully refundable. I tried to contact them to cancel my move with them. They called and left me a voicemail and the number they said to call them back at was a non-working number. I emailed them and got no response back. I disputed the charge with my credit card company and they issued a credit. The moving company replied with a letter with incorrect information saying that they came to pick up my belongings XX/XX/XXXX, but I am still in my apartment and my move date was for XX/XX/XXXX. Chase then rebilled me saying it was a valid charge. I contacted chase that these were fraudulent claims and they said there was nothing more that they could do. The moving company will not give me my money back and is not moving my things and chase is not refunding me. I have documentation of the emails and the contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
It doesnt make sense if I dont have overdraft protection.. how did I get a over draft fee on XXXX. I have the call recorded when I took it off and I have the calls recorded that I dont have it on there. I will be filing a class action law suit if this fee is not taken off. Because most of the fees were caused by Wells Fargo and I have those past calls recorded before I took the over draft protection off. Thank you for your time. Have a wonderful day and please be safe.

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 2021-06-29 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: Paypal Holdings, Inc

Complaint narrative:
Since XX/XX/2020 I Open my XXXX XXXX. With him i know more people or worker in XXXX XXXX : XXXX, XXXX, XXXX XXXX. I open my promotional activity, which i help the emergin XXXX XXXX to use better their money. I do the " XXXX XXXX '' in the XXXX XXXX, and i pay monthly XXXX XXXX. In the start we receive XXXX for month, but we can't pay all over Tax of Paypal and XXXX XXXX, or traplist team.. therefore we didn't obligated the artists to pay us for " XXXX XXXX XXXX '', we didn't knew was a law.. in XXXX and XXXX, i was coming to receive Donations by the Artists, they paid us to use better the money. But a big part of Money goes lost for " Buy '' the Services of XXXX XXXXXXXX XXXX, XXXX XXXX and inother we had to pay Tax, XXXX XXXX XXXX Team.. We don't obligated the " XXXX '' because the earnings were really few. Paypal, in XXXX XXXX permanent blocked my account Paypal with XXXX locked in Profile, and XXXX for monthly that i can't received because they use only paypal. I have now to Pay the Tax, because the money are fattured, but i'm young, i'm XXXX years old, and in XXXX i would start the university in XXXX ... if i don't use Paypal i lost my work, and i lost a year of Work and costumers ... I don't know if i can pay the University ... please help me, i promise that in future i will receive payments only in " XXXX XXXX XXXX  '', not " XXXX XXXX XXXXi '', also are Donations. I have a team of 10 people who believe in the project, i lose more.. I haven't do anything illegal ... In fact, i'm trying to do anything legally. Please help me.. my email of account is XXXX and my Name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz Financial Services refuses to change balance owed from {$420.00} to {$0.00} after receiving payment of {$650.00} on XX/XX/2021. The following is reference number provided by MBFS as proof of payment. Ref # XXXX! I have made multiple attempts with them to make correction and they continue to refuse to change balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used to obtain a credit card was my social security card. It was reported to the credit bureaus 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 explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Fiance tht is in the united states XXXX sent me money via check to pay for furniture the bank deposited the check and then said three days to clear an let me borrow XXXX XXXX an then sent the check back to other bank which caused me go incurr a overdraft and now il b evicted and or homeless they r not willing to work with me and neither is social security

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a request to XXXX  to investigate and remove these in accurate items from my credit report on XX/XX/2021 and have yet to get a response from the and none of the items on my report have been removed either and these items are impacting my report negatively and are keeping me from moving forward in life at this point so I need them removed since the FCRA clearly states if any items can not be verified within 30 days they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: GA

Complaint narrative:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX XXXX, and TransUnion in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

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 2021-06-29 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: GA

Complaint narrative:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies Equifax, XXXX, and XXXX in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This is the second year that Mr. Cooper has not sent my insurance company on time or the correct amount. Back in XX/XX/XXXX, my insurance was cancelled and I was not aware that I did not have any coverage until I received a check from the insurance company and called them to find out what they check was for. I was told that premium was do and they received the payment after the due date for the incorrect amount. Therefore, they cancelled my insurance. My house was not covered. Mr. Cooper fixed it and had my insurance reinstated after having me send them the check. 

On XX/XX/XXXX, I called Mr. Cooper to inquire why my payment went up {$200.00} a month and was told that I needed to call my insurance company on why my insurance increased. On XX/XX/XXXX, I called my insurance company and was told that my policy had been called because Mr. Cooper again did not send the payment for coverage on on time and the payment was not for the correct amount. Therefore they cancelled my coverage on XX/XX/XXXX and the payment would be mailed back to me on XX/XX/XXXX. They stated that they would not be reinstating my coverage because this was the second time that my policy had been called due to nonpayment. I called Mr. Cooper after I spoke to the insurance company on XX/XX/XXXX and after telling them what the insurance company said, they finally told me that they added coverage on my house since I did not have any. Them adding their insurance is what caused my monthly mortgage payment to increase by {$200.00}. Mr. Cooper caused the problem and now they are trying to gain for it by putting their overprice property insurance. This is fraud!!!

Company response to consumer: Closed with explanation