vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I am another victim of the theft of crypto assets from an IRA account maintained on XXXX XXXX XXXX. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Nelnet is my federal student loan holder. I contacted them in the fall of 2020 for info on the pause of student loan payments and interest. They gaslight me and keep telling me my loans aren't federal. I've had to pay on my loans without any pause. I can prove they are Federal loans. They continued to insist they aren't federal. I have been on XXXX. for almost 9 years solid. XXXX. is only available to federal loans. I feel that if I have consequences of missing payments ( which I have not ) they should have consequences of lying to me and forcing me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXXy Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXX Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX/XXXX  got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX  XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX XXXX XXXX XXXX XXXX got a copy of your Experian 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ( XXXX XXXX ) claims I owe for damages to a rented apartment that they have failed to prove or gain a judgment for. I have been reported to multiple credit agencies by Innovative Recovery ( IR ). I contacted IR to discuss the debt and IR indicated it did not own the debt, nor had the debt been assigned to it, IR was only a servicing agency. I communicated with XXXX XXXX regarding the alleged debt and they indicated that the debt had been assigned to IR. 

I do not know who owns the alleged debt nor who I can discuss settlement with. IR continues to assert to credit agencies that the debt is outstanding causing me significant financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 non-monetary relief
Consumer complaint received 2022-03-25 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:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have an Amazon rewards credit card through chase bank, my credit card payment was due XX/XX/2022. I made a payment on the chase app via my phone on XX/XX/2022 for {$600.00}. Chase bank did not attempt to process the payment for 7 days. My account was no longer sufficiently fulfilled to make this credit card payment so the payment was returned. On XX/XX/2022 I opened the chase bank app to make my payment that was due 12 days prior only to find out my account had been closed. I called chase bank and spoke with a representative who agreed that my account should NOT have been closed and she stated she was forwarding the complaint to the reinstatement department. 

On Friday XX/XX/2022 at approximately XXXX I received a call from a woman by the name of XXXX XXXX XXXX proceeded to tell me my account could not be reinstated. When asked why XXXX gave several different responses. First XXXX stated it was due to returned payments, then XXXX stated it was due to the card being {$56.00} over the credit limit. When I mentioned the card was over limit due to interest accruing she stated that my account was closed because of rapid increase I asked XXXX what does raid increase mean and she stated it means aggressive spending I asked XXXX if I was being penalized with a closed account because I was utilizing my available credit, to which XXXX stated yes. 

It is a violation of the CFPB to penalize a consumer for utilizing available credit. This account never reached 30 days past due. Im extremely concerned at the unchecked power and control these companies and their employees have over consumers and their credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sold my car because I needed the money immediately. I had my wife deposit the check from XXXX XXXX into her account at Capital One because she could send me a check from her Capital One Account that I could then deposit to my Capital One account and have needed funds the next day. ( See https : //www.capitalone.com/support-center/bank/deposit-availability ) I called customer service and they are not going to give me the funds for another 5 days. Now I am screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
My BMW financial account was paid off after several deferred payments during covid. After following all the terms, BMW financial placed ... a 30 and 60 day late payment on my credit report that included ONLY late fees. I was in contact with them monthly making payments and was NEVER informed. I was in a covid relief program. During such a stressful time I was rewarded for making set payments with 30 and 60 day late on my credit file. Again, the balance was only late fees which included fees during covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Nothing and these people are still using my identity getting auto loans transferring money from XXXX to the banks the have my XXXX report on freeze and I have received a verification code from XXXX and can't log in so this means a credit freeze doesn't work it's really your enemy because u can't see what people are doing with your name I have mortgage student loans and so many credit cards but I'm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and a XXXX person is on my account Citi Bank in XXXX XXXX XXXX XXXX Texas and XXXX Florida just had two money transfer and there's a whole lot more jewelry and way more stuff and why is my XXXX blocked from me anywhere or any computer I use doesn't make sense so u telling me they can just keep using my identity I have police reports in I filed deputes with the 3 credit bureaus and they still using my identity my social security number has been completely misused my name is XXXX XXXX XXXX and and I'm a victim of a huge hacking crew my whole identity is over with XXXX XXXX Arizona XXXX XXXXXXXX XXXX XXXX Citi Bank Texas XXXX XXXX XXXX Tennessee XXXX transaction XXXX Tennessee

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 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone stole my identity and applied personal loan by lender called 'Oportun ' And they loaned {$3000.00}. I don't recognize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
I have called several times to Experian as my credit score dropped by XXXX points from XXXX to XXXX since XXXX. Thinking that it may have been a temporary issue due to a mortgage taken, I decided to wait to see if it sorts itself out. XXXX and XXXX credit scores have and are over been 800 which is puzzling. 

I noticed on my credit summary that it says I have a late payment of " 1 '' but I combed through my credit report, I could not see what is causing the issue. I have not made any late payments my entire life. 

Last week I called customer services who thought it may have been an issue with IT filed a ticket for this. The ticket came back that IT could not find a technical issue. I called back member services again and looked at my credit report line by line and could not find anything wrong. I was referred to the dispute department who also could not find anything wrong and passed me back to the supervisor of member services who also said that there is no reason why my score would drop but it has dropped. My scores with XXXX and XXXX have not moved much and are over 800. 

I was advised to look for a licensed credit counselor which is puzzling because I have worked hard to keep my credit untarnished and the past several years and would unduly burden me for spending money to counsel me with my credit when I know how to take care of it.

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 2022-03-25 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Ally maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from Ally on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot Ally destroyed XXXX! 

Please help, they can't violate me and get away with it.

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 2022-03-25 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: HW Holding, Inc
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Thank You Rewards make it impossible to actually use the points for transfer to airlines such as XXXX XXXX. I have tried to transfer points many times and it always just gives an error that does not describe what the error is. I followed all stipulations in the terms and conditions. The error does not describe what is wrong. I believe the website is misleading and fraudulent.

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 2022-03-25 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: NCB Management Services Inc.
State: GA

Complaint narrative:
While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX  XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} XXXX contacted this company no resolution made. On XXXX XXXX XXXX XXXX stated I had an balance from a car I never purchased in the amount of {$47000.00} I contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX  stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXX  stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX NCB which is affiliated with XXXX XXXX also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Terrible company to work with. Our mortgage was purchased by Freedom Mortgage and it has been a nightmare since. They contacted us to solicit a refinance in XX/XX/2021. We moved forward and they pulled our credit, which is 800+. They proceeded to state they could not proceed with the refinance due to our debt to income ratio based on large student loans, despite our debt to income ration actually decreasing since the mortgage initially inception 2 years prior. This was addressed by the loan officer before our application was submitted and he assured us that it would not be an issue as it was not an issue with the original loan. Freedom was incorrectly calculating our debt to income ration based on what our monthly payments would be under a traditional 10 year repayment plan and not under the income driven repayment plan in which we were enrolled. I spoke with the loan officer many times and provided documenting from my student loan servicer, FASFA, the department of education and XXXX XXXX XXXX showing that there incorrect application to our debt to income ratio calculation was in contradiction with conventional loan underwriting guidelines and federal law. I was continuously reassured that everything would be sorted out and that the file was being reviewed by management in the underwriting department. After following up many times via email and telephonically and being advised that I would be contacted and the file was still in review I was ultimately told the file was closed and there was nothing I could do. The entire situation from start to finish was very frustration and deliberately misleading. 

**It is also very important to note that when I was initially advised they would not be able to proceed with the refinancing I went to another mortgage company and submitted an application that was approved by the underwriter. I abandoned that application and switched back to Freedom Mortgage due to their slightly better terms when I was subsequently contacted by their loan officer with apologies and reassurances that they would be able to move forward with the refinance and that they have received assurances from their underwriters after reviewing the file. Only up subsequently change positions again and deny the refinance for the same reason they previously assured me would not be an issue multiple times. Due to this, I am now in a situation, only three months later, where interest rates have increased significantly and refinancing no longer offers the same benefits. Due to Freedom Mortgages negligence, blatant disregard for consumers, and lies that caused me the withdrawal my other application I will endure an additional cost of approximately {$75000.00} over the life of the 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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OK

Complaint narrative:
This collection was removed from my credit and now, after 6 months, it has been put back on. The collection agency is showing opened XX/XX/XXXX and they are not showing a date of last activity with XXXX XXXX in XXXX XXXX, XXXX. This medical debt is from XX/XX/XXXX and they are showing it was turned opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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.

Complaint narrative:
I have nearly {$100000.00} stuck in my Coinbase account. Customer service has been very poor, literally no existent. Now Im facing hardship due to not being able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: OH

Complaint narrative:
My car was totalled on XX/XX/2021. I received a letter from XXXX XXXX XXXX processing Dept stating that the remaining balance of my loan was paid. I received a letter from Credit Acceptance Corp dated XX/XX/2021 stating that there was still a balance but didn't state the remaining balance owed in the letter. I called Credit Acceptance Corp and was told that I still owe a payment of {$1200.00}. I checked my credit report and XXXX XXXX is still reporting a balance of over {$3200.00}. 

According to the letter from XXXX XXXX XXXX, this loan is paid in full. They covered the remaining balance after the primary insurance pay out

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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
Debt collectors is TCS, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. 
keep call and bother me all the time while i submitted the paperwork 's to show them that this issue wasn't my problem. They messed up billing paperwork 's. Please find an attached for proof that my insurance cover all of fee services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation