vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may assume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently sitting in front of a banker that states I do not qualify for a free checking account because XXXX ranks my Credit score at XXXX. These actions against me are retaliatory and discriminatory. How is it other venues have my scores at XXXX additionally I just paid down my debts. A creditor removed a collection item 3 weeks ago sent it to the credit bureaus. XXXX still has it own there and lowered my FICO after getting notice my credit card bill was paid down. This is a common practice for them to do this. When an invalid debt is to be removed the either remove without notification and no increase in the score or lower the credit score then remove the negative item so the credit score never fully receives the increase it should. All one needs to do to verify this is look at the items I have disputed since XXXX where the creditor removed the invalid negative item and XXXX  and XXXX  specifically delayed the removal and never applied the proper score increase. XXXX  has hard inquiries on my credit and Ive not had any request for credit from XXXX XXXX XXXX lowered my credit limit in XX/XX/XXXX stating they received information from the credit bureaus. Nothing had changed on my credit. Both XXXX and XXXX reported me late 2 in XX/XX/XXXX for XXXX XXXX. Per XXXX XXXX they did not send anything to the credit bureaus because I was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I opened a new Checking and Savings account at Citibank in the hopes of receiving a {$700.00} new account bonus for opening a " Citi Priority Account ''. I opened the account and deposited {$50000.00} on XX/XX/21 and have maintained that balance between checking and savings. The terms and conditions state " The Cash Bonus based on the Chart will be paid to your Eligible Checking Account within 90 calendar days from the date you complete all Required Activities. '' It's now been 92 days and I believe the required activities are making the XXXX deposit and maintaining the balance for 60 days.

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I deposited XXXX to my Coinbase account. There were 2 charges from Coinbase on my account that I did not make one for XXXX ID XXXX and another for XXXX ID XXXX. I emailed Coinbase about this issue, at first they emailed me back saying they are going to look into it. Then they locked my account with my XXXX in it. since they locked out my account I have missed out on many opportunities to buy and sell XXXX. I email them everyday and never get a response. I need access to my account as soon as possible this is a lot of money that I need access too. 
why ticket number is # XXXX number is what's on our emails as my ticket #.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 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: AZ

Complaint narrative:
In XX/XX/2021 I mailed out a dispute to the 3 major credit bureaus on their reporting on a few accounts that are closed.30 days later I have no response nor communication after mailing these letters out thru certified mail.The accounts involved in the dispute are reporting inaccurate payment history information and is hurting my good name and stopping me from advancing as a consumer holding me back from purchasing a new home and i believe such tactics is keeping my score below average.As you know payment history is about 35 percent of a score.The following accounts show errors made to accounts I was never late on and in fact balance was transferred to another account.There area couple violations if not corrected i will have to take actions necessary to correct.Under the FCRA negligence to do a proper investigation.Errors you will see in the attached documents are reporting a 30 day on time and go straight to a 90 day late or 30 day on time ok to 120 days late, one is reporting charge offs other account says on time.. How is that accuarate how is that correct.

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 2021-05-10 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: FL

Complaint narrative:
I am very XXXX out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.

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 2021-05-10 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: FL

Complaint narrative:
I am very stressed out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Ive recently become 100 % XXXX through the VA and thus qualify in my county for 100 % XXXX veteran homestead exemption. Ive confirmed this exemption with my local appraisal district and submitted a form from them to my loan care who is my mortgage servicer. However the refuse to except anything other than a tax bill which wont be available to my until around XXXX. My local appraisal district said that most mortgage companies will verify by calling them or checking their website since they have the most current property tax information. However like I said my loan care is telling me they wont except anything other than a tax bill from the county tax office. I feel that its not right for them to force me to pay money that I dont owe for nothing other than their laziness. Its currently XXXX and I wont have a Tax bill available until XXXX. Although I eventually will get all that money refunded I shouldnt have to wait months for them to verify this simple situation.

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 2021-05-10 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: VA

Complaint narrative:
On XX/XX/XXXX, filed dispute with card issuer for failure to receive refund for cancelled flight. On XX/XX/XXXX, card issuer provided a provisional credit in the amount of {$380.00}. Although there has not been a final resolution to the dispute, card issuer, on XX/XX/XXXX issued a letter to me, that my account was being rebilled for the disputed transaction in the amount of {$380.00} because I had received a refund from the merchant. However, I have not received the refund, and the only thing I have received is a provisional credit from the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I called into Capital One on XX/XX/XXXX. I asked for a payoff balance to close my account. The agent I spoke to said absolutely, and looked up my information. He told me my final payoff would be the account balance of {$470.00}. I asked him if that would be the all in all done total, and he responded yes sir. There should not be any more fees or charges beyond that as long as you haven't purchased anything, which I had not. I thanked him, and asked if I could just pay that on the APP like I make most my payments. He stated yes, and he said that I can cancel my card on the app as well. I again thanked him, ad reiterated, do i need to know anything else, look into anything or, pay anything else, and again he stated no. We ended the call, and immediately I went onto the app, and canceled the crd, and paid the final balance. On XX/XX/XXXX I was then charged interest of {$8.00}, even after I was told multiple times that there was no more owed! Fast Forward two months to now XX/XX/XXXX. I had a missed payment, negatively affecting me, then I was assessed a late fee, and an additional interest fee was added. I again called in and was treated very condescending by a supervisor named XXXX XXXX XXXX ) I believe he stated out of XXXX. He stated there was nothing he could do, and I am bound by the terms and services of the card. I stated I spoke to an agent with Capital One and he mislead, and falsely informed me. XXXX stated he had no record of that, and I stated I do, I keep record, and can pull me cell phone record. Can I send that in as proof to you so we can remedy this situation? He said no, if I wanted to do that, I need to pull in outside legal representative. I then stated I don't want to have sue something over {$8.00}, and I know he doesn't, and surely Capital One doesn't want to fight over {$8.00}. I asked him to try and help me, and work together to come up with a solution, since there was a mistake made on behalf of the Capital One Representative. XXXX 's response back to me was, " the solution is for you to just get over it, and pay the {$8.00}, and if you don't, you will just be assessed more late fees on XXXX. I then asked if there was a dispute department I could speak to, and I would like to dispute those charges, and file a complaint. XXXX responded to me with we don't have a complaint department, and you can't dispute those charges because there are from capital one and not a purchase. '' This was misinformation, and false leading a consumer. A company mistake, should be owned and corrected by a company, and not passed onto the consumer in an, oh well you have to do it cause we said so regardless of our mistakes kind of attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: LA

Complaint narrative:
On XXXX XXXX XXXX 2021 XXXX  posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have been attempting to modify a mortgage out of forbearance since XX/XX/2020. The communication is purposely evasive. I receive USPS mailed letters indicating my application is incomplete. The letters do no indicate what is missing. The only way I can determine what is missing is by calling the company and have a representative manually review my application to determine what is missing. Every time I call I am forced to hold for 30 minutes or more. Every time I call I get conflicting information regarding what is required of me. 

The representatives have a hard time understanding what is being requested of me. In multiple occasions I have submitted a letter of explanation to satisfy the requirement. In each instance it is explained that I must submit a different letter of explanation. 

I would assume there is an effort from this bank to prevent mortgage modifications from moving forward. The

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 2021-05-10 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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: FL

Complaint narrative:
In the past few months I was shopping for a loan to buy a vehicle. When I went to find out why my FICO score had dropped by over 40 points at Experian, the website showed the amount of new credit as being 'FAIR ' because these inquires. They were : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Of these financial institutions I only used one for a loan XXXX XXXX Lending, which was paid off within two weeks. 
When I called Experian on XX/XX/XXXX I was on the phone for an hour and never got an explanation on why this was a negative affect on my FICO score. They sent me from one department to another. Their explanation was that each Credit Bureau had their own method of creating a FICO or Credit score. They told me to get a third party to intervene. I told the Experian representative that the algorithm used by Experian was their problem and that they had the responsibility to explain how this effected me negatively and fix the issue. 
I find this to be intrusive upon my ability to SHOP for the best Interest Rates and length of a loan without being penalized. No one should be subjected to this disparity just because off an inquiry. If I had taken loans with each of these financial institutions, then I could understand it affecting my FICO and Credit Scores. I was also told that there was no way to have this information removed for two years. That is unacceptable. Now I have excellent credit, but what about other people who are struggling to get a loan and are also doing multiple inquires. NO ONE SHOULD BE EFFECT THIS WAY.

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 2021-05-10 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: FL

Complaint narrative:
To whom it may concern, I have tried to get in touch with Capital One repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this account is still reporting. I have consulted with the Attorney General of California and know that this debt is past the statute of limitation in California. You can not enforce, collect or sue for this debt making it invalid. Reporting invalidated information on credit can constitute fraud under both federal and state laws. I ask that you remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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:
This complaint is not a duplicate nor am I using a credit repair service. I am filing this complaint on my own behalf and I ask that Experian address this correctly and accurately. On dates XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21 I sent letters regarding inaccurate and misleading information on my credit report. XXXX XXXX failed to validate the alleged collection account. XXXX sent some documents with inaccurate information specifically the name on the account is not my name. The FDCRA Credit reporting laws ensure that bureaus report only 100 % accurate information on a consumers credit report and Experian has failed to provide this accurate information after i have sent two letters and additional documents pointing out the inaccurate and misleading information. On XX/XX/21 I also pointed out the same inaccurate information to XXXX  by letter and they responded promptly by correcting the errors and removing it from my credit report. I feel like im being ignored and having issues obtaining credit at a reasonable rate because this false information on my credit report. I demand that this account be deleted immediately or I will file for litigation due to the financial stress and higher interest rate i have to pay on loans!

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 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
2 different times inquirys when shopping for auto loans on the same date have been reported individually by all 3 bureaus. So I have 15 new inquirys that should be reported as 2

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