vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Hello, Today - I checked my report and to my horror I saw a entry from consumer adjustment company. This is not my account. Nor has it been verified as mine. It list without dates. And my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: AL

Complaint narrative:
I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus Equifax, XXXX, and XXXX this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus XXXX, Experian, and XXXX this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BRite Financial Services, Inc.
State: MI

Complaint narrative:
Good Day My name is XXXX XXXX XXXX. i live at XXXXXX/XX/XXXXXXXX XXXX, Michigan XXXX. 
ss number is XXXX. I purchase a car in XXXX .a XXXX XXXX XXXX Can was ok. Hard times hit me and a was able to turn in the car with no fees. Also I was told it would be a voltary turn in do to hard time. here are some of the problems. 
I have sent several letters to the 3 credit bureaus. 
Please contact XX/XX/XXXX XXXX XXXX andXX/XX/XXXX 

- The amount of the loan is wrong. 
- The time I had the car is wrong. 
-They won't tell me how much the car was sold for. 
- They telling me I still owe a balance of XXXX - I need proof of what the car was sold for and why I owe this amount. If they can't, please have removed. 
This is messing up my life. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TX

Complaint narrative:
I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NM

Complaint narrative:
My loan was sold and I got a new servicer for the XXXX payment. In the statement that Fay Servicing sent me, they illegally added a deferred balance of XXXX to my statement. When I modified my loan, as long as I made 12 payments on time, the balance of XXXX would be forgiven and taken off the loan. Fay Servicing acknowledged this was in the contract, but is now trying to say they can collect if I fall behind on payments. This is an illegal attempt to collect a debt through fraudulent means. I want to use a forbearance for the next two months, but Fay Servicing is trying to say they can collect on the deferred balance which is not true. I have XXXX and this kind of bullying is detrimental to my mental health. What the company is doing is illegal under the US Code for collecting debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XXXX, on XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX and on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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:
To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TX

Complaint narrative:
I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Nissan Acceptance Corp is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked Nissan to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage Service reported XXXX, XXXX, XXXX, XX/XX/2020 as late payments after receiving and accepting payments of {$280.00} each month none of which were late. Changes in escrow amounts taxes reflects a difference to {$310.00} which was later paid. PHH mortgage did not open a suspense account or notify their intended action as they were supposed to have done. 
I have written to them by email and called a number of times asking to have the late payments remove as I am trying to refinance my house they have refused saying it is not an error. PHH mortgage have displayed little or no concern to the harm they have done even during this covid situation where mortgage companies are asked not to report late payments they have no regards for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX on XX/XX/20. The company reached out to me for an interview on XX/XX/20 and offered me a position an hour after the interview. The succeeding days including signing a contract and them emailing a check worth {$2000.00}, citing it as a way to set up direct deposit. They then told me to wire the money from my bank to a vendor to pay for training materials and I would start training upon receipt. I wired the money at my bank on XX/XX/20. After wiring the money, I was told that training materials would arrive on XX/XX/20. I get a message saying the company would need to redo the process again and they would email me another check. When I checked to see if the first wire cleared, I found out I was locked out of my bank account because the bank bounced the check but didn't cancel the wire transfer. My account is currently in danger of being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
ChexSystem is reporting a social security in error in my consumer report, I sent my social security card several times to them but they dont remove the incorrect number they report it, ChexSystem agents are incorrectly alleging that I called them and I gave that number so they add it to my report without proof ( social security card ), they also mentioned that they called me to confirm that info but they got not answer so they was not able to confirm the number that they are alleging I provided to them otherwise I called them several times and sent proof of my social security number to correct that but they been refusing to do so. 
The only number that I ever had is the one ending in XXXX. 
Also ChexSystem is reporting a baunch of inquiries in my credit report that I disputed several times and they keep saying that are valid without providing evidence, those inquiries that I mentioned had different social security numbers as well those numbers are not reported on my report but those inquiries still in my consumer report. 
Communication abilities of ChexSystem agents are very poor since those agents are located in XXXX. 
The agents been asking for a police report saying that I didnt provide them the social security number that they alleging belongs to me but I cant file a police report without they proving me they allegations, I dont even know if they are lying to me as usual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NC

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NC

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NC

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Company offered a phony promotion through a statement insert claiming that you will receive a {$15.00} statement credit after making 3 single transaction purchases of {$10.00} or more at Exxon/Mobil gas stations. I qualified by making the required purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: IL

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to 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 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Dear XXXX Staff, My husband, XXXX XXXX opened an account with Coinbase, a crypto exchange based in XXXX XXXX. 

His account is linked to his XXXX email address. 

On XX/XX/2020, the balance of XXXX 's account was {$1700.00} reflecting the value of XXXX UNI ( swaps XXXX in his e-wallet.. 

On XX/XX/XXXX XXXX 's account with Coinbase reflected a XXXX  balance. He had not conducted any transactions and has the screen shots reflecting the XX/XX/XXXX balance of {$1700.00}. 

XXXX submitted an email to Coinbase asking for support and no one has responded. 

He called and no human answers their support line. 

I also sent an email to the XXXX address and received no reply. 

This seems a common complaint against Coinbase and on its own XXXX page there were approx. 600 negative remarks about no customer support, and consumers having lost funds. 

Further, Coinbase states in its FAQs that it is registered with XXXX. XXXX does not do market conduct supervision and I believe this statement misleads consumers, and falsely reassures them that Coinbase is a legitimate enterprise. 

It is my opinion that Coinbase is either grossly negligent in the handling of consumer funds or purposefully engaging in a pattern of fraud/theft. 

I have already complained to XXXX which basically told me to go away. 

I submitted a complaint to the SEC and received no reply. 

Could the XXXX kindly investigate as it appears numerous American consumers have lost money on this site -- further, I would be willing to bet that if you check with the FCA and other financial regulators that they too are receiving complaints from consumers. 

Thanks in advance. 


Regards, XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I did not receive disclosure agreement until 10 months after funding. The interest rate on same is 99.75 %. I have called Loan me on several occasions to state that this rate is predatory and undisclosed to me at funding. I have also read all the legal findings by CFPB and the courts as to the activities of this company, its owners and all the related companies I have requested the rate be reduced to legal limits. 
I AM XXXX years old and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
On XX/XX/2020, I applied for a refi loan ( as well as debt consolidation ) with Loan Depot. I was repeatedly told that my application had been approved. I emailed and asked for a call-back many times from XXXX XXXX, the loan manager, who refused to call or email me back with a response unless I reached out to the loan officer. 
On XX/XX/XXXX, I signed the closing disclosure document. 
On XX/XX/XXXX, the closing disclosure was emailed to me again. 
On XX/XX/XXXX, I emailed & requested a new loan manager who would actually work on my file. They responded that my file was ready for losing. 

On XX/XX/XXXX, I was informed by XXXX XXXX that my closing docs would be available for signature on the next day, XX/XX/XXXX. I was not available on the XXXX so we scheduled for the XXXX. I was informed by the notary that the lending company had not provided the documents to the title company so we rescheduled for Friday the XXXX. On the XX/XX/XXXX, I signed the closing documents. 

On XX/XX/XXXX, I received an email from XXXX XXXX requesting verification of my employment. This is 60 days after my application XX/XX/XXXX - received an email to review the closing disclosure for the 3rd time XX/XX/XXXX - checked online & my existing mortgage was not paid off & none of the other debt paid off. Called Loan Depot customer care x2 - left message. Also sent chats x2 requesting resolution. Paid my existing mortgage payment for month of XXXX. 

XX/XX/XXXX - checked online & mortgage & debt still not paid off. Called Loan Depot customer care who said she would check and call me back. She called back & said the funds were wired to XXXX XXXX to pay off mortgage & checks for other creditors were fed exed to me on XX/XX/XXXX. Emailed loan officer, XXXX XXXX, and his supervisor requesting extension of 1st mortgage payment from XX/XX/XXXX to XX/XX/XXXX and refund of part of the processing fees for my inconvenience. Call to XXXX XXXX - out to lunch. 

I am requesting that Loan Depot refund a portion of the processing fee for their lack of communication, lack of timely processing my file, failure to timely fund my loan, and terrible customer service!

Company response to consumer: Closed with explanation