vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I had two credit cards with HSBC credit card services ... ..one of which HSBC for some reason showed I had a XXXX balance online for several months, only to reportit as charged off, in which I contacted them to inquire, and they made an error on their part, and said they would fix the credit report error and restore the account so I could continue making payments. I attempted to log in and was unable to setup payments, sent them an email, only to have them AGAIN report it on my credit as a charge off. Contacted them AGAIN, only to have them admit error again, and they would correct everything, in which they sent me a response issue was fixed, I log in to my account to attempted to make a payment AGAIN, and unable to do so, and I send them another email advising I'm unable to setup a payment online, and a few days later, again they reported a charge off on my credit report ... ..to which I sent them an email, and haven't heard back at all.. 
I have all email correspondence, screenshots showing the balance was XXXX for several months, and screenshots showing records on the same account showing it was charged off three times within 6 months. I'm currently seeking legal counsel as this has impacted my ability to apply for credit to purchase a home, and caused multiple credit cards to increase my interest rates, causing me further financial stress, which has caused stress, resulting in XXXX XXXX XXXX and several trips to the hospital with the cost of prescriptions, and potentially damage to my long term health as a result. I don't care how many of the best lawyers they have, I will unleash this information on every media outlet online and post names of the individuals from emails who said they would fix the issue but failed to over and over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I kept receiving an e-mal that I believed a SCAM to gain access from PAY PAL and reported it but the scam keep comming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through TransUnion my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX

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 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
hi, This complain is against COINBASE.COM, a currency exchange. 

I have opened the account in XXXX and deposited money to purchase digital assets. Since then I was only able to use just a couple of time it's locked most of the time with a message ACCOUNT UNDER REVIEW. I have a few XXXX worth of asset in the account and it does not allow me to withdraw, sell or let me perform any other transactions. It's been a few months now and I need my fund back. 
I have opened several support tickets but support tickets are closed without unlocking my account as if they are programmed to close the ticket in a week or so. 

I have list of about XXXX to XXXX tickets unresolved and still have XXXX active. 

Being in US this is the first company I have dealt with where there is no Human live customer support. 

I am frustrated and need attention asap thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge Off XXXX XXXX {$24000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} Collection XXXX XXXX {$620.00} XXXX XXXX-XXXX {$490.00} XXXX XXXX {$610.00} XXXX XXXX ( Original Creditor : 06 XXXX ) XXXX {$370.00} ( Original Creditor : ) XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with Kohls/Capital One and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for Equifax, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX

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 2021-11-09 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have a line of credit account with BBVA Compass. I make my payment every month on a recurring basis with XXXX XXXX. XXXX XXXX sends out these payments 12 days in advance and BBVA posted them correctly until XXXX of 2021. In XXXX the payment was lost and not credited to the account and a late fee was charged. I visited the banking center several times to show the proof that the payments were sent 12 days in advance. XXXX charged me three late fees, shut off my line of credit and demanded payment in full. I am an elderly man on social security that made my payments on time and did not deserve this treatment. I also tried to resolve the issue over the phone but the representative gave me an incorrect email address to send proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: UT

Complaint narrative:
My bank BBVA was recently bought out by PNC bank. I could not gain access to my money in the PNC system as I don't live near a branch and was not sent a debit card or account information in the mail. 

-I called PNC bank to cancel the account and was told that I had to remove my money from my account first. 

-They sent me my money in cashiers checks. 

- I then called PNC bank, spoke to a human who told me the account would be closed. 

- I was then notified that my accound had not ben closed and had been overdrawn. 

- I called them back, payed the ammount I owed and told them a second time to close my account. It has still not been closed. 

I Just called them again and the same problem persists. They transfer you from agent to agent, I've spent hours on the phone and cant close my account. Its criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. 
XXXX XXXX - XXXX XXXX ***** Opened XXXX XXXX XXXX Balance {$2100.00} // Charge Off XXXX XXXX USA ***** Opened XXXX XXXX, XXXX Balance {$2100.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Car was repossessed on XX/XX/XXXX without notification and not from my home. 
The payment was made on XX/XX/XXXX to reclaim the vehicle in the amount of {$2800.00} and I was told I would be able to pick up the vehicle on the same day. Called to schedule to pick up the vehicle and there are no " appointments '' for today and I have to pick the car up tomorrow and pay an additional day of storage totally 5 days @ {$30.00} vs 4 days @ {$30.00}.

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 2021-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
There was a fraudulent charge on my account in XX/XX/2021. Twelve of the same items totaling over XXXX from XXXX they cancelled all but one for XXXX. I have alerts on my credit card with Bank if America and called right away. This has happened 4 times. The visa company charged on XXXX and XXXX each time I call they say they will place a stop payment with Visa and report as fraud. I have called and reported to wayfair and closed account each time. This was a charge out of NJ that they allowed them to change my address and email. When got alerts I did not change address called 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 monetary relief
Consumer complaint received 2021-11-09 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Hello, I received a " pre-approved '' offer for carvana on XXXX XXXX. Carvana required that you created an account to look at the offer, after I created an account and looked at the offer I requested carvana delete my account. Carvana refused to delete my account and stated they are unable to delete accounts because of federal law and never specified what law prevented them from deleting my account. Carvana acknowledges that it sells information and markets information from it's account holders to other companies. 

It is highly irregular for a company to refuse to delete your account including accounts used to apply for credit. I have never been denied a request to delete my account or information. It appears carvana is harvesting user 's accounts and selling their information, profiting of it while denying them the ability to delete their account. Carvana is without my consent retaining my account and they have no legal authority to do so. 

CFPB should investigate carvana for their wide-spread practice of abusing customer 's information for commercial purposes under the guise of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Leased a " dormatory '' from XXXX XXXX in XXXX. In XXXX of XXXX, the school required me to leave, without moving contents, due to XXXX. They could not, and did not offer any housing solution. I was basically on the street with my backpack. 
The Lease states that it is terminated IF XXXX XXXX is unable to provide adequate housing. I understand the circumstances to terminate the lease. I have quoted the portion of the lease to XXXX as proof of this understanding. XXXX housing continues to attempt to collect the balance of the terminated lease. I don't owe them anything, yet the continued to the point today, they have a collections agency attempting to collect the debt. This is a fraudulent claim against me and it needs to be removed from my credit report. 
This is making me get rejected from apartment homes, thus leaving me unable to secure a home. This is damaging my credit, so when I apply for a home mortgage, i will surely get a higher interest rate. I consider these real damages caused by their fraudulent claim. 

I have formally communicated the dispute of this claim to the XXXX agency ; Southern Management Systems Inc . Yet, they continue to call my cell phone and leaving messages. I have communicated to them that I consider further attempts to collect this false debt to be harassment. 

Again, this position has been documented to them formally. I don't wish to be worked by them continuously. They need to start paying for my time to deal with this. 

XXXX housing has the lease and can look at Section 43B. = Lease Terminated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a great credit score, low debt and great salary since I work for a XXXX XXXX I was excited about applying to the new Capital One Venture X card. They denied me and didn't provide a reason. When I called their 1800 number they don't have a department that deals with applications so that an actual human being and not a computer algorithm can look at my application and realize I've never been late or had any credit problems, that I have a very good salary and that I would be a great customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio
State: CA

Complaint narrative:
I JUST RECEIVED A CALL FROM A COLLECTION AGENCY CLAIMING I TOOK OUT A LOAN FROM A COMPANY AND THEY KEEP TRYING TO THREATEN ME SAYING THEY HAVE A COPY OF MY DRIVERS LICENSE AND BANK ACCOUNT INFORMATION. I TOLD THEM TO STOP CALLING ME BUT THEY INSIST ON HARASSING ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Every debt card I had PNC bank has been hacked and scammed. I file a claim with my bank about some fraudulent money coming out of my account. The bank returned the that was owed to me. Then a few days later the bank takes everything out of the account without an Explanation. I called the bank and no one knows why it happened

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
To XXXX XXXX of Mr. COOPER and calls answered by night as Nation star and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, XXXX XXXX, This document explains that prop was purchased in another name of another through XXXX XXXX. 

I would call XXXX XXXX as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have no idea what this account this. I don't owe them any money.

Company response to consumer: Closed with explanation