vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belonged to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXXplease remove any other spelling or variations of my name they are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I have loans through XXXX & XXXX XXXX ( not huge loans ), that I took out to get a 2-year degree. They constantly call and harass me. They constantly call and harass my grandfather, who was the cosigner but he went into bankruptcy years ago, and is over XXXX years old. Despite me reaching out to them to try to arrange even the lowest of payments a month ( via email ), they refuse to accept the arrangement. It's being handled through AES and they are HORRIBLE to work with. They refuse to make any sort deferment longer than one month, despite the pandemic, and won't even accept a lower monthly payment amount of something like, {$25.00} a month for each loan, until I can pay more. Because I simply can not pay more at this time, but they are notoriously difficult and I imagine that this has to go against some form of business practice, since they have threatened to garnish my wages, despite me offering a lower monthly payment than what they wanted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX XXXX XXXX. I was also told they would also need a 5 year verification letter stating I will be getting public assistance for the length of the loan. 15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

My complaint was previously closed because CPS attached a adverse action notice ( that I never received as required ) in response to the violations of discrimination. CPSs response to discrimination allegations was far from thorough. If no remedy is being offered, legal action will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: MN

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$220.00}, {$110.00}, {$79.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$890.00} The first dispute letter I have sent to the credit bureaus was on XX/XX/2021. The following month after XXXX, I still see information on these items that are reporting inconsistently. For one, I have disputed XXXX XXXX with the credit bureaus and debt collectors. However, I still see information reporting erroneously. XXXX XXXX XXXX XXXX, for instance, the date of last activity is reporting on different months which is no possible way the accounts were paid on 3 different days. 

I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My friend at my previous mailing address noticed a couple of emails in my name. On opening them, there was bank checks from TD bank and XXXX in my name and also a debit card from XXXX in my name. I have not opened these accounts and have no idea how my identity was used to open these accounts. 
I am scared on the extent of my identity theft and want to take all the possible action to prevent this from escalating further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been locked out from online access and my debit card is restricted. The only way they can remove it is by texting a number in my name. I have a XXXX phone in my name. Not prepaid. Every time I call to resolve the issue the rep says the number isn't good AND CALL back with a phone in my name. The phone Is in my name. I asked how do they verify and they said public records.I then searched the number on XXXX and like expected it came back to my name address and dob.I also did the same in the XXXX listing. It has been 4 plus months that I have been denied access to my money in my account. A rep advised me to go to a branch and they could help but unfortunately there are no branches within 4 hours of me. My last resort was mailing my XXXX phone bill and screenshots of the public record showing the number is associated to me. I haven't heard anything .Citi has had my money on lock for months. There internal system is flawed with verification because the phone I have is not a voip its a cell phone with XXXX that has a monthly plan in my name.

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 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AE

Complaint narrative:
On XX/XX/2021, a derogatory remark was placed on my credit by XXXX XXXX through IC Systems. I was not contacted about this. I had no idea. 

On XX/XX/2021, I noticed that XXXX XXXX YET AGAIN sent an account under my name to another debt collection agency. I have previously disputed this same amount ( {$170.00} ) twice before, to which the account was removed from my credit. 

On XX/XX/2021, I contacted the debt collection agency via email requesting that they validate my debt. I have confirmation that the email was delivered to the Consumer Affairs division of the agency. 33 days later, and no communication has come from the debt collector.

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 2021-10-26 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: WI

Complaint narrative:
In XX/XX/2020, I notified Experian ( hereinafter CRA ) that my identity was stolen and that the account they report as XXXX " XXXX XXXX '' with a partial account number of XXXX was a product of said Identity theft. After numerous disputes relating to the fraud, and thereafter factual errors in the reported information itself that required that this account be deleted. They have flatly refused to remove this account. the account should have been remove for the following reasons : 1. ) At no time did the CRA place a notice that the account was in dispute as required by FCRA, indeed the required notice still dose not appear on my report. 

2. ) The CRA is reporting this account as a " Collection/Chargeoff '' 3. ) While reporting this account is a Collection/Chargeoff they also report a past due amount of {$170.00}, it is not possible to have a past due amount showing in a Collection/Chargeoff account. 
4. ) The CRA is also reporting a balance owed of {$190.00} also impossible if the account is reporting as a Collection/Chargeoff. 

For the above reasons the CRA should have removed this account from my credit report long ago and they just keep reporting the same errors

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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX have pulled my credit file and I noticed that there are some mistakes that need to be corrected. My name is not XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I Noticed there are addresses that do not belong to me. Please delete/remove the following addresses they are wrong : XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI , XXXX XXXX XXXX XXXX XXXX OH,XXXX. 
I am applying for a new job and the information on file is not 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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I made purchases with the company Coinbase during the months XXXX of 2020 and also XXXX of 2020 and for some reason on the day of XX/XX/2020 I go check my portfolio and my purchases that I just mentioned were gone my portfolio said {$0.00} and I did absolutely nothing to my account nor have I given anyone access to my account to warrant such results and I also had emails that Ive had with Coinbase about the situation and to no prevail they insisted on explaining to me that I may have used a different email in which I have only used one ever since the dates I just mentioned at the beginning of this statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I called Experian because I recognized that there were hard inquiries that were not authorized by me. Some of these were removed, but XXXX XXXX with an inquiry date of XX/XX/2021 and another on XX/XX/2021.

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 2021-10-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$640.00} and {$1100.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX and XXXX Balance : {$1000.00} and {$140.00} Account Name : XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$590.00} This is a formal complaint against Equifax, XXXX, and XXXX located in XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ), XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress Despite my efforts to resolve this unfortunate nightmare for several months now, these three credit bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: DISCOVER BANK
State: OR

Complaint narrative:
I filed a dispute through discover for the amount of {$490.00} initially on XX/XX/2021 against a merchant ( XXXX XXXX ) that didn't send me the items as received and was scammed. I went through the dispute process with Discover and provided documentation when asked. I was told not to worry about it and was given a temporary credit. It was later reversed a month later and I followed up asking why. They said that they were putting the case through a second review and that the merchant didn't provide valid documentation. Turns out that's all false because the second review sided with the merchant saying the transaction was valid? Dragged out to almost 3 months just for that kind of response?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
The Kia Finance department which was supposed to send my insurance company a letter of guarantee failed to do so. It took several months to obtain this information and during this inappropriate & unprofessional time period the loan accumulated monthly charges which the gap insurance refused to pay. These charges which would not of been accumulated if Kia Finance would of responded in the appropriate & Professional amount of time to the insurance company. I shouldn't be responsible for this failure by Kia Finance and therefore they should retract these fees from my credit report as they have never tried to settle this and the collection company can not. The whole matter was handled inappropriately & without Professional conduct. They do not return phonr calls and when I reported this to the Attorney General they produced false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 the bank closed my checking account with no notice to me and refused to refund my money stating I would receive it via a check. It took numerous calls to the bank to figure out what happened, as none of the reps was apprised of the reason. Finally a sarcastic female told me that I made too many disputes and the bank reserves the right to terminate anyone 's account without notice at their discretion. 2 days later I went to a branch in person and told them that I would report them for violating my human rights, my civil rights, and my XXXX rights under the ADA. I have been with the bank for decades. Before becoming poverty stricken when I was very comfortable, and then again after I was able to get on my feet after fleeing domestic XXXX, homelessness, and was receiving ssi for XX/XX/XXXX injuries. What has happened is that since XX/XX/2021 I have been a victim of identity theft and have had a lot of trouble with the perpetrators violating my checking account as well as my computers, cell phones, and printer. The XXXX Police Department has repeatedly refused to make a report or to investigate. They respond by telling me to see my doctor. I have a very limited income, but the criminals would make double payments to creditors, utility providers, and the like, which I would have to dispute or else overdrawn. Despite canceling debit cards and getting new ones, checking accounts and the like, nothing worked. I also made disputes for services not received or defective merchandise such as vape pods in XXXX that were XXXX market quality despite name brand prices ( which a vape dealer advised me of ). Not only has my life been XXXX since this, but my service animals were poisoned by a landlord costing me {$13000.00}, and my beloved friend passed in XX/XX/2021. The remaining animal had been ill since. I too have been have been deathly ill from toxins in apartments rented through a housing subsidy program. I need to be relocated from my present apartment due to extensive mold ( 3rd apartment ), causing serious illness now, and potential XXXX that will be determined by biopsy soon. I have lost my renter 's insurance because the bank closed my account, which leaves me forced to stay in a toxic environment and also causes risk of homelessness because my building requires all tenants to carry renter 's insurance. I also had a XXXX XXXX on XXXX XXXX, and have other serious health issues. I have no one to help me whatsoever. I reported the identity theft to the bank several times and asked for their help but they could do nothing so they said. I feel that I deserved notice so that I could make other arrangements at least. I am already a marginalized elderly XXXX female, sick, and risk homelessness at this time. The bank 's website declares it is a huge human rights advocate. This I feel is hypocritical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
The consumer reporting agency is in violation of 15 usc 1681. documents have been attached.

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 2021-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient told me was best to Consolidate my Loans without telling me that it was going to drop my credit score 30 points for consolidating loans thats been on my credit for over 10 years in this hurt me more than help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
The consumer reporting agency is in violation of 15 usc 1681. documents have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has blocked me from accessing my crypto in XXXX when I transferred it to my wallet. The money is there and I did all the steps correct such as using ETC network. They have restricted access to my own fund without warning or any notice. I am verified and did verification again. Resettled my passwords for extra security and still no response. 

A support ticked with case ID XXXX, I created was closed without any action or change or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I applied for a personal loan with one main financial. I applied through XXXX XXXX it stated I was approved for a loan amount up to {$4000.00} dollars. So I finished the application online and was called the next day stating I was pre-approved and that the final approval would be after the income was verified. But what stood out is they was telling me based on my hours of employment, SSI payments and vehicles collateral I could get a personal loan for {$15000.00} dollars. The SSI payment was off by {$200.00} and I assured the company I could prove the money will be reapplied in less than a week but the company said no they couldnt use it then my job had only given me part-time hours even doe they was able to call and verify that I was a full-time worker. So end result was I didnt qualify for any loan but they did a hard inquiry and knocked 61 points off my credit for a loan I wasnt approved for. This isnt fair because its the second time this year that the same company denied me of a personal loan even after I have a clear title of a XXXX XXXX XXXX and income.I feel I was discriminated against by the company.

Company response to consumer: Closed with explanation