vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I transferred XXXX XLM crypto coin being valued about {$6300.00} from my hard wallet to Coinbase wallet. The fund successfully left my wallet and landed at Coinbase, but was not deposited to my Coinbase wallet.

I reached out to Coinbase customer service and opened a ticket. They requested additional information regarding the hash ID and transaction ID. I provided all they needed. To verify further they  requested that I should transfer exactly 15 XLM coin, to be sent out exactly from my original address as the one under question, and to be sent to the exact destination address. I did exactly as instructed and provided them with confirmation screenshot and all the information about the requested transaction. Since then they have not been responsive and have not provided any update. I opened another ticket to address the issue, but no luck yet.

Since cryptocurrencies value fluctuates, and I wanted to liquidate them, the value of my coin has decreased since then. I'd very much appreciate your assistance and support in this regard.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report

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 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal Court shows action was taken against all other parties. Therefore, this complaint only addresses the concerns of XXXX XXXX XXXX as the owner and paying source for this property.

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I paid this account and they reported multiple missed payments but havent reported paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
I owed a amount to XXXX and the debt was forgiven due to a total and permanent XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
I owed a amount to XXXX and the debt was forgiven due to a total and permanent XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.

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 2020-10-23 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report.

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 2020-10-23 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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I always kept the mortgage paid months in advance. We had the home up for sell and had a contract for it so I did not pay the payment in the month of XXXX as the invoice showed XXXX due XX/XX/20 anyway. When the house did not close in XXXX, I then paid a payment in XXXX for the bill due XXXX and then paid another payment in XXXX. The account was current and showed the next payment due on XXXX when the house sold and closed on XX/XX/20 and the loan was paid in full. 
At no time was this houses payment in arrears as evidenced by the statements which I have attached. 
When the lender reported it to the 3 bureaus for both myself and my spouse they showed it in arrears for as much as 89 days from XXXX to XXXX and ruined our perfect credit. They dropped our scores over 74 points on all bureaus. 

Company is NewRez LLC but they report as Shellpoint Mortgage to the bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and TransUnion only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.

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 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report.

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 2020-10-23 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
The class action multi state settlement includes my loan repossession I have called Santander consumer attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Paid account have been unable to get removed from credit as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Hi There, I recently refinanced and paid off the mortgage from United Wholesale Mortgage ( UWM ), and have requested to get the balance in my impound account through check. According to the conversation with UWM agents, I was supposed to get the check by last week. After waiting for 2 extra two weeks, there is nothing returned. Here is my loan number, hope CFPB could help with this. 

Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/XXXX, I responded to an offer from Bank of America that required one to open a new checking account and make two direct deposits of at least {$250.00} each within 90 days. According to the attached notice of terms, a bonus of {$100.00} would be deposited in my checking account within the following 60 days. 

After I enrolled for the offer on XX/XX/XXXX, I received a letter via regular mail from Bank of America dated XX/XX/XXXX that stated the requirements of the offer and included a reference number XXXX ( see attached ). 

I made the two required direct deposits in my checking account : the  first on XX/XX/XXXX for {$250.00} ( salary ) and the second on XX/XX/XXXX {$1000.00} ( pension ), well within the 90-day time frame. The terms clearly state that the {$100.00} bonus would be credited to the  account within 150 days of opening the account. On XX/XX/XXXX, I spoke to XXXX in the Advanced Client Solution Department ( XXXX, GA ), who confirmed that the bonus would be credited to my  checking account by XX/XX/XXXX. When it was not, I called this department again on XX/XX/XXXX, speaking to XXXX in XXXX XXXX, TX. He researched the issue more fully, stating that I most certainly qualified for the bonus as I made the two required direct deposits within the 90-day time frame. He promised he would escalate the case and that I would receive a call from Bank of  America by XX/XX/XXXX. 

When I did not receive a call -- - and the bonus had still not been credited to my account -- -I contacted the Advanced Client Solutions department once again on XX/XX/XXXX, this time speaking to XXXX XXXX in Arizona XXXX He said that the escalation team is holding up the decision and there was nothing he could do. 

Therefore, I ask that your organization request that Bank of America upholds its end of the bargain and pay its advertised bonus of {$100.00} to my checking account as soon as possible. 

Thank you.

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 2020-10-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
XX/XX/2020 I called on : XX/XX/2020 Synchrony Bank XXXX  sent me an e-mail stating that changes were made that effects my credit score.

Synchrony told the credit bureau my usage went up % 66 and they dropped my available credit from {$2500.00} to {$250.00} I did not cause this. My synchrony/care credit card hasn't been used since XXXX 2020. 
How is this possible since it hasn't been used. 

I called Synchrony and they refused to correct the problem they created

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 2020-10-23 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: NY

Complaint narrative:
i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from equifax in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.

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 2020-10-23 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: NV

Complaint narrative:
I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: NY

Complaint narrative:
i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from equifax in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: DE

Complaint narrative:
I received 3 different Visa debit cards from a company called Cash App that I never applied for. I attempted to call Cash App customer service number but only got a message from an automated attendant advising me to go to their web site for help. My computer anti virus indicated that the Cash App web site in a non secured site therefore i did not want to access the site. The debit cards refer to a bank Called XXXX XXXX. I call XXXX XXXX   however they are not able to help in getting the cards cancelled. The representative did agree to reach out to Cash App to see if there is some way to have someone contact me by email. I just want the cards cancelled and request no further cards be issued in my name. Hopefully you can help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-23 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:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TX

Complaint narrative:
I mailed in an item to Experian and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.

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 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The class action multi state settlement includes my loan repossession I have called XXXX XXXX  attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.

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