vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I had different accounts with Springleaf Financial from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX  and Springleaf and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX  and Springleaf Financial. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: HI

Complaint narrative:
On XX/XX/XXXX I had a {$2.00} charge. I experienced a problem with the companies app and my payment couldn't be processed properly. It was not applied in the way I expected and how I normally make all my payments on the app. I also did not know a payment was due. 

When I found out about it, I instantly paid it in full ( for {$3.00} XXXX on XX/XX/XXXX *see attached XXXX. It was an unfair late payment that was only for {$2.00}. I should have been notified in multiple ways with a paper statement or email etc. I should have been notified that my payment did not go through and confirm. 

I now have a tough time applying for credit cards, lines of credits, auto loans, etc. I've been a member since XXXX and the company will not help me with this unfair situation. 

Since then, I have always made on-time payments and I am in good standing with all my other credit card holders. I consistently pay and I have set up an automatic payments for the full statement balance, so that this doesn't happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have multiple hard inquires that I did not do. I tried to solve it with Equifax and contacting the creditors. XXXX  hasn't replied its been over 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: NC

Complaint narrative:
I had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted XXXX  and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on XXXX  and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had different accounts with XXXX XXXX from XX/XX/XXXX up until XX/XX/XXXX when I paid my account off in full. It is showing that another account was opened in XXXX of XXXX and shortly after defaulted on. I did not renew a loan nor did I open a new loan after I closed the account in XX/XX/XXXX. Someone used my name and personal information to obtain this account without my consent or knowledge. I have contacted Experian and XXXX and neither one will help me. I do have a sister whom is identical to myself however I have no proof of her using my info. I do know this account is fraudulent and I need them to take accountability for there mistake and remove the account. This is why I am filing this report on Experian and XXXX XXXX. I paid every account I had with them, why all of a sudden would I open a account and default shortly after? Because it was not myself whom opened it.

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 2020-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted Experian Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting Experian I am just given a run around, such a unethical behavior and unprofessional service.

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 2020-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, {$160.00}, and temporary credit reversal On XX/XX/2020, {$25.00} and temporary credit reversal

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 2020-10-01 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted XXXX  Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting XXXX  I am just given a run around, such a unethical behavior and unprofessional service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/2020, I deposited a {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX, a federally recognized Native American tribe. 

Chime cashed the check without any issue. 


On XX/XX/2020, I deposited my second {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime cashed the check without any issue. 


On or about XX/XX/2020, I deposited my third {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' There is nothing " unrecognized '' about the format of the check. 

It is the same exact type of check I have deposited to Chime two separate times. 

I then received my fourth coronavirus relief payment from the tribe and attempted to deposit it on XX/XX/XXXX. 

Chime, once again, rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' Once again, there is nothing " unrecognized '' about the format of the check. It is literally the exact same, apart from the check number, as every other check I have received from the tribe. 

I have attempted to reach out to support about this multiple times, both via chat, phone, and email, and have not once received anything resembling an attempt at a resolution. 

They are unable to tell me what was " unrecognizable '' about the check, and even when speaking with a supervisor, they just tell me their " check department '' says the check is " unrecognized ''. 

This is vague and unhelpful, and because Chime has registered an attempt to cash the check with the associated check numbers, XXXX XXXX, another financial institution, is " unwilling to accept the risk of cashing the check due to the appearance that another institution ( Chime ) may have already cashed it. '' I am pretty sure this issue boils down to something stupid like Chime 's " check department '' misreading the check number and/or thinking these are duplicate checks. 


I was able to deposit the check from XX/XX/XXXX into my mom 's bank account ( with XXXX XXXX XXXX  ) as a one-time courtesy, but they are not letting me endorse the check from XX/XX/XXXX over to her, and I am unable to open a bank account with another institution at this time. 

Essentially, though, Chime has made it impossible for me to obtain the money on this latest check, and as these are coronavirus relief checks I am UNABLE to have them reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Vehicle that was under loan from Navy Federal Credit Union was a XXXX XXXX. The XXXX was involved in a no fault auto accident resulting in total loss of the vehicle. Gap insurance was purchased for the vehicle from the lender by the customer at the time of the account opening ( XX/XX/XXXX ). The open auto account should have been closed and paid in full in XXXX of XXXX by both GAP insurance and XXXX auto   insurance. Subsequently the customer discontinued payment for the account after notifying the lender/submitting disposition from insurance provider. The lender took an additional FOUR months to close the account, resulting in " unpaid '' balances totaling {$2500.00} ( four payments of {$620.00} ). The lender ( Navy Federal Credit Union ) failed to act in a timely manner to update the application of GAP insurance to the account, and made no attempts to resolve the complaint with the consumer. The customer notified the lender of the total loss in XXXX of XXXX, the account was not affected/updated until XX/XX/XXXX. This irreparable damage should be litigated. In lieu of litigation the customer is seeking for the debt to be waived and removed from the credit report as a means of satisfactory resolution. It is unlawful for this credit reporting to go on, as this debt is the fault of Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The complaint is against a company called Coinbase. They are a Cryptocurrency exchange. I have been investing for months and my account is about {$18000.00}. I can no longer get onto my account because I have been locked out by this exchange. They purposely do not have Customer Service to speak to and everything that you do to try and recover the account goes in a complete circle. It is again purposely set up this way. I want my money back from this fraudulent scam company!!!! and I would also like to see this company be put out of business!!! They are a disgrace and if you look online you will will see thousands of people complaining just like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I had a miserable experience applying for and being approved for a mortgage loan with Ameris Bank. Ameris discriminated against me based on my race, and the banks actions ended up costing me {$7700.00} in total. I worked with a rep named XXXX XXXX who treated me differently after I scanned in a picture of my ID and she saw that I was a minority. I was called kiddo, and threatened to be XXXX by XXXX after she was aware of the color of my skin and my race. XXXX flat out lied to me and told me my debt to income was too high to do XXXX XXXX ( XXXX  ) FHA loan. She told I would do the tradition FHA with Ameris. I explained that I know she was being untruthful because I calculated my own DTI ratio and was under the requirements for XXXX XXXX. I was told that I had high levels and that my deal was a long shot and its not her fault. I asked her to send me what she was telling me in writing so I could have that information for my records. She reiterated that I would not and did not qualify for XXXX XXXXXXXX but she would send it anyway. I later asked her to be removed from my loan. During closing, I was pushed back on 4 separate occasions. Ameris led me to believe the delays were due to my finances, or another party involved, when at closing, it was determined that the delays were caused my Ameris bank. I was told I was cleared to close and my closing date was confirmed in writing by Ameris on XX/XX/XXXX for XX/XX/XXXX at XXXX which caused me to take off from work. I was told the next day that I could sign paperwork but the closing would actually be on XX/XX/XXXX due to the bank having their information wrong. I am leaving an apartment that was due to be sublet at move out saving me 3 months of rent at {$2300.00} per month. Because Ameris delayed me so many times after purposely misleading me about the loan that I qualified and was eligible for, my tenants ended up signing a lease and securing living arrangements elsewhere. I ended up having to take off another day from work putting my job at risk to accommodate Ameris after giving me misinformation about the status of my loan. I feel as though my closing and mortgage application process wasnt handled fairly due to me addressing concerns with the bank about a clear violation of my rights and how it has impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I initially made a payment to capital one in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly capital one has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX issued a refund for me, for an item purchased XX/XX/XXXX. The original card used ended in XXXX. The card was replaced with XXXX. XXXX issued the refund to XXXX, rather than the new TDBank card ending in XXXX. I have been calling TDBank daily starting at XXXX EST., checking on the refund. Some TDBank representative would say, yes they see the old card, with NO refund, others said they did not see the card, and the card must have been purged. I KNOW that if a debit/credit card has been replaced, and there is a credit or refund to the old card ; based on " SECURE PROTOCOLS '', ( SOX-Sarbanes-Oxley Act ) banks claim to enforce, in my case TDBank, protect customers, and easily identify debits or credits, from the old card/account. The ripple effect has surpassed {$140.00} per day, in overdraft fees. ( {$35.00} per overdraft ). Current overdraft {$980.00}. I have an audit trail of communications to XXXX, regarding the issue. I call TDBank at least 3 times per day, utilizing their voice recognition through the " XXXX ''. TDBank should have a voice audit trail, as well as the recorded calls quality. I am XXXX, and on a fixed income. The past two days, has had me stuck in XXXX, with severe XXXX. Please help me. Let me know if you need any additional information from me. ( See Attachments )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I initially made a payment to XXXX XXXX  in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly

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 2020-10-01 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: CA

Complaint narrative:
I initially made a payment to XXXX XXXXXXXX in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly

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 2020-10-01 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: U.S. BANCORP
State: TX

Complaint narrative:
Us Bank reported to the credit bureau that I made no payments on my account from XX/XX/2020 thru XX/XX/2020. This information is not correct as I have made ALL of my payments from XX/XX/2020 thru XX/XX/2020 2020

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 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
There are 4 hard inquiries on my credit report that I didnt authorize and would like them to be removed immediately. 1. XXXX Card, on XXXX of XX/XX/XXXX, I was shopping on XXXX using my XXXX card and then came a pop up as I was going to pay telling me that I can agent an XXXX XXXX XXXX card and get huge savings and I will be able to pay overtime, so I clicked on it then decided not to use XXXX XXXX XXXX card only to see a hard pull on my credit report from XXXX XXXX XXXX, I didnt approve of this and would like it to be removed immediately. 2. XXXX, I was shopping on XXXX when XXXX offered my to used them and pay over 6 months without any interest, so I filled out the questions they asked me not having a clue that XXXX XXXX was going to do a hard pull. I was thinking that it was going to be done directly with XXXX, there was nothing there that says XXXX XXXX. This inquiry must be removed. 3XXXX XXXX XXXX XXXX XXXX never went to XXXX XXXX XXXX to apply for anything on the XXXX of XX/XX/XXXX, so I didnt authorized this hard inquiry. Please remove it. 4. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, I didnt authorized this hard inquiry. Please remove it.

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