vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been a with SHELLPOINT MORTGAGE SVC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 i went into a Chase branch to cash a lawsuit check and deposit another one as well as open a account to keep the deposited amount. My funds were available at the moment and a few days after i was notified my account was closed. The first reason was because i had a pending balance on a old account. When i returned to the branch to issue the problem i was told it was closed because of prior account history. That my check would be issued for the amount deposited as a cashiers check. I waited about 15 days before contacting chase multiple times in regards to my funds. I received different information everytime i have called. First i was told they need to have the funds verified. Also i was told they had a missed call from the issuer but they had been having trouble contacting them back. As well as in one occasion i was told to take paperwork of the lawsuit to the branch which i did, once i was there were contacted and decided that was not enough after all. I have been calling chase to try to get updates and have them call the numbers but all they say is that the hold time is too long. I really need my money and i don't understand why its being held if it was available and the check was confirmed when i deposit it to the bank. The bank has my money in a suspense account gaining interest fees from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: SYNCHRONY FINANCIAL
State: UT

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, 2020, SYNCHRONY FINANCIAL, on XXXX. XXXX, 2020,  XXXX XXXX XXXX and on XXXX. XXXX, 2020, 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 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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Called Mr cooper, Nationstar, to get the payoff on my mortgage on XX/XX/15, mailed in a check. Was not cashed after 10 days, called again and was told i could do a check by phone, got my ID and called back and was told, i could not. Spoke to a supervisor and was told my check was sitting there, but i needed an official letter and had to send a certified check. This was never told to me before. I was told my check would be sent back to me and a letter with the correct form to submit for pay off would be sent. It is now 10 days and i have nothing. i am XXXX years old, and believe i am being taken advantage of because of my age, so they can get interest on the mortgage. I had actually spoken to 3 people who all gave me the same address to mail check ; now they are changing the process.these are not nice or incompetent people, or both to do business with. 
My loan address is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX unit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: AL

Complaint narrative:
I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- ( Reported Identity Theft )

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 2020-12-16 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: AL

Complaint narrative:
I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase issue. 
I purchased a fixed amount of bitcoin in XXXX ( approximately XXXX bitcoin ). I transferred it to my coinbase account. I haven't been able to log into my account soon after that date. 
I was asked to verify my Identity by submitting an ID such as a passport and a selfie. I followed all of the steps required but it didn't work. 
I attempted to resolve this issue by following the guidelines on the coinbase site. It didn't work. 
I reached out to coinbase support on the XX/XX/XXXX and on the XX/XX/XXXX I still haven't received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Exeter Finance, LLC.
State: UT

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, 2020, XXXX XXXX, on XXXX. XXXX, 2020, EXETER FINANCE CORP and on XXXX. XXXX, 2020, 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 2020-12-16 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: PA

Complaint narrative:
My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with Equifax and XXXX  refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, Equifax and XXXX  After further investigation .XXXX  remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX  XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe Equifax or XXXX ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX XXXX XXXX-XXXX-XXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: WELLS FARGO & COMPANY
State: PA

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, 2020, WF CRD SVC, on XXXX XXXX, 2020, XXXX XXXX and on XXXX XXXX, 2020, XX/XX/XXXXadd 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 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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: NY

Complaint narrative:
I have sent an RFI to XXXX on XX/XX/2020 to which I got only a partial response. I did get a payment history which seemed confusing and I had sent a second letter to XXXX on XX/XX/2020 questioning some of the charges which seem to be questionable and don't add up. I will attach the letter I sent to XXXX along with the payment history which I am questioning. So far I got no response and the continued reporting of erroneous data is detrimental to me. 

Other issues of reporting are as follows : The full 7 year payment history is not listed High balance of {$250.00} is not accurate Date of first delinquency is not listed

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 2020-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
XX/XX/2020, I received multiple emails thanking me for applying for loans. Later that night, I also received notices from credit bureaus that XXXXXXXX XXXX XXXX had accessed my credit files. Due to the Thanksgiving holiday, I could not contact anybody until XX/XX/2020 and i went to a local XXXXXXXX XXXX XXXX branch. They said YES, someone had applied for credit through them and they ran my credit. They acknowledged that their XXXX AZ branch was the one who did it. They gave me a phone number of their corporate office to dispute this XXXX. I called and they emailed me an affidavit to refute the inquiry. They said that they would get with all credit bureaus to remove the inquiry. On XX/XX/2020 I received an email from Mountain Summit Financial stating that my first loan payment was due ( account xxxxxx ). I called MSF up and they said I needed to email my complaint to XXXX and they would get back to me at their leisure. A loan for {$1000.00} was taken out in my name, using my SSN, MY Address, but not the banks that I use. I did not authorize the Credit pull, nor did I apply for any loan.

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 2020-12-16 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: TX

Complaint narrative:
This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( XXXX XXXX XXXX XXXX ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.

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 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent {$300.00} on XX/XX/XXXX through XXXX on my SunTrust mobile app as a deposit on a puppy. It has turned out to be a scam and my bank is telling me that because the money was transferred immediately that they can not help me. The money was sent to XXXX account XXXX XXXX phone # XXXX. I was sent a contract that stated this depost was refundable. After sending a message that we would not be able to get the puppy due to Covid-19 numbers going up and not feeling safe to travel I asked for a refund. This is all being communicated through XXXX XXXX XXXX on the account of XXXX XXXX. The next message I received stated that they would deliver the puppy and asked for another {$300.00} stating it was so they could get the paperwork for the puppy changed to my name. After refusing multiple times to send more money as well as requesting multiple time for them to return the money we reported this to the police. We requested a video of the puppy and new information to send the {$300.00} that they were asking for and received the following information : XXXX account : XXXX XXXX e-mail : XXXX memo : XXXX only. This information was forwarded to the police and the e-mail account is a fake. The video sent was from XXXX. No more money was sent. After receiving multiple messages this morning, XX/XX/XXXX, I requested return of the {$300.00} deposit again and advised that this had been reported.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I attempted to apply for paypal credit card. Reference # XXXX. They sent 2 notices that I have a fraud report on my credit and they attempted contacting me at the number listed on my fraud report and they did NOT. They stated there was no credit report pulled yet they negatively affected my credit causing credit score decrease. I called and synchrony stated they cant do nothing about, no credit file pulled and disputes that they did try to contact me.

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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
I had an account managed by Axos Bank N26 card. Their Internal team froze my account, and eventually decided to close my account and send me the balance in my account of {$690.00}. I received the check on XX/XX/2020 in the amount of {$690.00}. On XXXX/XXXX/2020. I went to cash the check, so I endorsed the back of the check, but I noticed the check had gotten liquid spilled on it, so when I went to cash the check it was refused because of the damage. I threw the check away in a local trash can. I then called N26 Axos Bank to let them know I needed a new check re issued. They informed me the check was cashed on XXXX/XXXX/2020, and they also said I endorsed the back the back of the check. I advised them of what happened, as I stated above. N26 Axos Bank refuses to re issue my check. I need assistance on getting the funds sent back to me at my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a vehicle from Credit Acceptance in 2016 with gap insurance and a warranty. Shortly after purchasing the vehicle started to have problems staying on and during driving. I contacted credit acceptance and informed them to come and get the vehicle which they did not comply. At the time the vehicle had stop running and is no longer running. Despite my request, CAC sent me a discharging the lien of the vehicle and put the balance on my credit. I do not owe this company as a result of their action

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 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Received a letter from M & T Bank, stating that they are closing my account. Reached ou to them, but they were mute on the specific reasons in doing so. 
The following are the facts : Open the account about 8 months ago. NEVER have I submitted a false check deposit. Maintain a balance of about {$4000.00}.

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