vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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: MD

Complaint narrative:
Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX, Transunion, and XXXX all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXXXXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.

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 2021-05-02 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: MD

Complaint narrative:
Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX XXXX, and Equifax all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MD

Complaint narrative:
Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer XXXX and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that XXXX Reported me to the Credit Bureaus that my payment was XXXX days late. Once i found this out I called XXXX and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from Experian, XXXX and XXXX all still say that i was late XXXX days on XXXX separate XXXX Loans from XXXX 2018.These credit bureaus are reporting incorrect information on my credit report. I reached out to XXXX to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by XXXX. And according to the CFPB XXXX XXXX XXXX so were millions of other Americans. That is why the CFPB sued XXXX back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.

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 2021-05-02 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: IL

Complaint narrative:
Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I lost my job XXXX XX/XX/XXXX during the pandemic. and fell behind on my mortgage payments in XX/XX/XXXX. I contacted select portfolio mortgage company and let them know the situation in XX/XX/XXXX and ask for a mortgage mortification or any help i can receive from them. Select portfolio advice me that they were working on sending me a package as well as working on getting information from my previous mortgage company green box mortgage. I never received any package from select portfolio however they reported my missed payments to credit reporting company. In XXXX I received a call from them telling me that they were giving me a forbearance from XXXX because of the snow storm since I was in a female area. Im still waiting to hear from my mortgage company for a forbearance from XX/XX/XXXX. I can not seem to be able to speak to anyone at this company who understand the situation and can give me the answer to my question. They have now canceled me escrow account which was created to pay my insurance and taxes. I am paying my home insurance every month now because they have refused to pay it. I need help with communication with this company. I need an extension on my forbearance as well as them removing the reported miss payments to the credit reporting company. This company is not helping and I do not want to loose my home. The pandemic had a toll on me which caused me to loose my job. I had to take a job I XX/XX/XXXX for half the pay i was previously getting but that's what I had to do to get back into the work force. Select portfolio is not working with me and I do not want to lose my home.. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OR

Complaint narrative:
Collection agency XXXX XXXX XXXX has reported a debt on all three of my credit reports in the amount of {$460.00} on XXXX XXXX they also have reported both that its either open or closed. The original debt was purchased by XXXX XXXX, I have never had this cellular service ever. The are also other discrepancies on my credit reports which I am currently disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXs hired by the three major credit bureaus Transunion XXXX  and XXXX. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both Transunion and XXXX  thus keeping my score at a low status monthly continuously For example Transunion XXXX is update but XXXX  XXXX  is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE XXXX XXXX MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and XXXX XXXX must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like XXXX  got 14 points on Transunion then the XXXX  XXXX same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of XXXX  this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie Transunion and XXXX. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.

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 2021-05-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  XXXX  is hired by the three major credit bureaus XXXX  XXXX and Equifax. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both XXXX  and Equifax thus keeping my score at a low status monthly continuously For example XXXX  mbfs is update but Equifax mfbs is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE CREDIT KARMA MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and credit karma must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like mfbs got 14 points on XXXX  then the Equifax mfbs same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of color this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie XXXX  and Equifax. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: FL

Complaint narrative:
Everything on this credit report from experian and XXXX XXXX is false. Multiple times Ive diputed the multiple miss spelled names on my credit report because I have not ever used them to apply for items or products. They have inquiries Ive never even heard of and it's funny how everything that's on the report was done in XXXX and XXXX. Now just recently they have been hacked again for people 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 non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have filed several complaints to the company still yet they have refused to fix my problem, a month ago i got a notification to reverify my identity on coinbase when i tried sending bitcoin out to a bitcoin address so i did and my account was verified again i got a mail that all restrictions were taken out of my account and i can now regain access to my funds but still yet the restrictions is still right there and my funds are tied down on coinbase, I have been sending mails and complaining through the contact us on the coinbase web nothing was done still yet my account is under restrictions for month all case numbers are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
Have not received the " method of verification '' for the following invalidated, inaccurate account on my credit report requested over 60 days ago on XX/XX/21. This is a request to comply and a notice that Experian is in violation under section 611 ( a ) ( 6 ) ( B ). Immediate action is demanded.

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 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
On the 1st of XXXX, 2021, I applied for the XXXX XXXX checking account, but for all intents and purposes a savings account. My application was rejected without any reason. I explained that I have a very good credit score and I hold a XXXX XXXX XXXX XXXX with the XXXX XXXX. Also, there should not be anything negative in my background check, therefore the information they used to identify me must be incorrect ( I identified myself using my US passport and the SSN. ). The customer service representative refused to provide any details on the subject nor take steps to investigate and correct the information that I disputed. 
In addition, the bank refused to provide me with an adverse action notice, except for allowing me to take a screen shoot of the online application denial ( which I have attached to this complaint ). This does not provide the name or contact information of the checking account reporting agency on which data the bank made their decision. At the highest level of customer service support available to me, I was refused my right to know what specific information submitted on their website triggered their decision to deny my application and was not allowed to know the name of the company that provided the data to check the veracity of my submitted information. The most specific information I could get was that the decision is done by a system process and subject to internal review, not available to me. I was expressly denied any opportunity to speak to someone that my review my case or allow me to prove that the information they have about me is incorrect. Because of these, I believe the bank did not treat me fairly.

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 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NV

Complaint narrative:
I have an account with Binance.US. I had successfully made a couple of wire transfers to fund my account. The bank that they used was XXXX XXXX. I attempted to do another wire transfer on XX/XX/2021. However, unbeknownst to me, they changed the bank that they are using to accept wire transfers to XXXX XXXX. As a result, the money did not reach my Binance.US account. It also did not get returned to my originating bank which makes me believe that while they XXXX no longer be using that particular account to fund Binance.US accounts, they still have that account open. However, no one seems to know where my money is that I wired. I have been in contact with the company for nearly two months trying to find out where my money is and to get it returned to me. A representative of the company has claimed several times that they have located the transfer and that they will be refunding the money to my original account. However, the money never shows up back in my account. At this point it seems like they are simply holding my money with no intention of returning it which seems like theft in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my card was accessed at XXXX XXXX atm to check the balance and {$1000.00} was withdrawn. I immediately contacted the bank and they opened an investigation and reported such to EDD later that month I received a letter that they deemed the transaction fraud but never gave me my {$1000.00} back stating that it was because the EDD closed my account thus closing out the investigation. I called numerous times to follow up which they had to submit a request to backoffice to open the claim. In XXXX, they rescinded their stance and made me liable for a fraudulently transaction although the city the crime occurred and I live are about a hour and minutes apart. They did not pull video footage from the neither atm that checked the balance at or withdrew the funds.

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