vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern. 

This is my second dispute with the CFPB regarding this issue. My original compliant number is XXXX. 
Please see attached response from TD Bank Representative. The Representative documented my XXXX payment was not the full amount and was short {$290.00} which caused my XXXX payment late. I have provided the annual statement I received from TD Bank specifying my new mortgage payment amount and also I attached my payment history provided to me by TD Bank. On XX/XX/21 I made a payment in the amount of {$1600.00} which is the correct amount due based on the statement provided to me. Unfortunately, there was a delay in processing my deferral which caused huge discrepancies on my account, however due to the delay on TD Bank it caused my payments to appear as partial payment and late. I am not asking for the late reporting to be removed as a courtesy but requesting the late reporting to be corrected because the error was on TD Bank and the delay and processing of my deferral and updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have been a Coinbase customer since XXXX. Since that time, I have had no issues with my account. On XX/XX/XXXX, Coinbase locked me out of my account for no reason, and did not send me an email to tell me that it was doing so. On XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, of XXXX I called Coinbase and they informed me that I would need to complete identity verification by sending in a photo of myself which included a picture of my ID and a note stating " FOR COINBASE AUTHORIZATION. '' I did what was requested and then I got no response. I called Coinbase again, and they put me on hold 4 times, and told me to expect a follow up email. An email had not been received after 24 hours. I called Coinbase again, again was told to wait for an email from the escalation team. At this point I have done what has been requested of me to do. I want Coinbase to restore my account. It should not be this difficult or time consuming to get identify verification completed. As well, I use my Coinbase for regular purchases and it is my primary means of payment, without it, I am without my capability to pay for things I normally purchase. Coinbase has shown no sense of urgency to restore my account so that I may continue doing my business as normal. They have denied me to delete my banking account information or have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I explained to the company that this is not me not my name or address on the account someone used my social security number to open a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-08-11 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-08-11 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: PA

Complaint narrative:
My debit card was locked. Two transactions came out while my debit card was locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I closed my Barclaycard credit card ending in XXXX due to fraud in XX/XX/2022. After it was closed, an XXXX vendor refunded me for a returned product. This balance ( {$730.00} ) was supposed to transfer to my new credit card, but never did. After getting the " run around '' from Barclaycard, which insisted that they never received the refund from the vendor ( even though the vendor had provided me twice with the details of the refund ), I submitted a " case. '' Someone at Barclaycard then realized that the refund went to my closed account. They then put in a request for the balance to be transferred and closed the case. But the transfer never happened. I called back again and learned that my case had been closed, but there was no additional information provided besides to call the number on the back of my credit card. I verified again with another employee that there was a credit balance on my old account. They opened a case as well ( XXXX ). This case was also closed, and nobody at the company that I can reach by phone can tell me why or how to fix this. This is now the third case that has been closed regarding this issue, and I have made over a dozen phone calls over the last month. I have talked to supervisors and people in all sorts of departments, but most of them are working off of scripts and can not help me. Many times they tell me " the system is not loading '' and tell me to call back. Other customer service reps try very hard to help me but simply can not, or they promise a resolution that never comes. Please help me. I do not know who to turn to.

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 monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I'm not too sure what will come of this but a friend recommended I give it a shot. I don't have exact dates at this point in time but I'd be happy to provide those in a follow-up, or just resubmit the entire thing if I need to. 

My relationship with Synchrony bank started back in 2019, I had applied for a line of credit for XXXX store financing and was approved. 

They did not, however, actually create a log in for me to make my payments, they told me that I'd receive login credentials in the postal mail. As a result of this, I didn't actually receive any credentials in the mail for over 90 days. During that time synchrony was charging me late fees unknown to me at the time because I did not have access to see or pay my bill. 

It was eventually discovered that they didn't even send the credentials in the first place and a customer service representative had to generate them for me. They were kind enough to remove the late fees due to the failure on their part, they did not fix the impact this had on my credit score.

Now they have damaged my credit score once again. Apparently it is their policy to terminate my account after 2 failed payments. The first of which was over a year ago, the second was just a few days ago. Both of these were rectified the second I was notified of a failed payment, and records show payments for them posted the following days. 

I understand policy, I understand that I may have signed something that notified me of this policy, and I understand that they must follow said policy if it does exist. 

What I do not understand is how a financial institution as big as synchrony is allowed to play these games with people 's credit score and do nothing to correct their mistakes.

There are countless other issues I've had with them in regards to Paypal credit as well, they closed that account in a similar fashion, tanking my credit score, and many instances of unjustified late fees that they admitted were mistakes. 

Maybe the most recent incident is on me, but considering what they did when I first opened the account, and all the issues I've had with them on my old PayPal account, I am very frustrated that I now have to recover from yet another negative mark against me from this company.

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 2022-08-11 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: Ridge & Valley Realty, Inc.
State: UT

Complaint narrative:
Upon pulling my credit report as I, buying a home I was dismayed to find out I had a collection from credit systems inc in XXXX XXXX.it was for XXXX $ and from a tanning company XXXX XXXX XXXX. It was services in Colorado. I do not live in Colorado. I am a Utah resident and have not lived there. I do have some family there. I called them and gave them my police report number and they were very rude when I demanded they remove this collection immediately.they just put this on my report with no regard as to its validity. My police report number is XXXX for XXXX XXXXXXXX. I also filed a identity theft report with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I had a lease with an apartment complex that i was unable to complete.due to my job and lack of work. I spoke with them and worked it out that I would leave the place early. Leave it spotless and they would keep my deposit and get it rented out asap. Now i see a collection on my report for that of XXXX. I have not recieved notice of the collection and the company won't listen to what i tell them about what i worked out. Please help me remove this from my report. It should not be there and it is causing me to not be able to get a good rate on loans. thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
the company Lendmark financial services made an arbitrary change of location of the store without my consent also their application stopped working and they gave me a phone number so I could look for the solution in which they do not have staff to help in XXXX and when I call them They only behave rudely and put me on hold on the phone and they don't want to expose me to the store manager, they claim that the location to which they sent me is better for me without consulting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.

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 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I have been getting the runaround from Selene Finance since XXXX of XXXX. My loan was transferred from XXXX to Selene Finance. I have a previous complaint against Selene : no XXXX. Unfortunately, the issues have not been resolved. On or about XX/XX/XXXX, I received loan modification docs with my Ex-Wife 's name. I sent Selene an email to notify them of the error. They asked that I send them a copy of the quitclaim and divorce decree. I sent it close to 10 times, and they've denied receipt for the past three months. 

I had to file a complaint for them to honor the original modification agreement with XXXX. However, I called today, and they informed me I would have to begin the process over. They did not provide any sound or logical reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 2022-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax 3 times to remove 3 incorrect inquiries which they would not I was instructed by multiple supervisers that if I filed a complaint with the FTC and sent this and my driver 's license, letter of instruction and social security card in via fax, they would remove these. I have attached a receipt from the fax service showing successful delivery to Equifax on XX/XX/2022. 
As I provided what Equifax asked me for, they are violating my rights and also violating the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: PA

Complaint narrative:
I'm a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies Experian, XXXX and XXXX disputing a XXXX account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as Experian and XXXX. Experian and XXXX proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

Thank you

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 2022-08-11 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: Synovus Bank
State: CA

Complaint narrative:
I accordance with the fair credit report act 1st Digital/Synovus/XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2022-08-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have inquiries on my credit report that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have inquiries on my credit report that were not authorized.

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