vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX and XXXX did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I have applied for an attorney with XXXX XXXX. The use First Advantage to run the tenant background checks. My application was denied based on the results of the background check run by First Advantage. I called First Advantage on XX/XX/XXXX to address their concerns. All charges are over 8 years old, some 15 & 16 years old. On XX/XX/XXXX, I reached out to First Advantaged and informed them that in the State of Texas, XXXX XXXX XXXX and XXXX XXXX. Sec, 20.05, A ( 4 ), specifically prohibits them from disclosing items longer than 7 years, My request to rectify the situation was to have a new report only going back 7 years. The dispute # XXXX, was completed with no change results, First Advantage, stated that FCRA was written prior to the Texas law is not taken into consideration. I filed a new dispute. # XXXX. Due to the extensive time line, I can not find affordable housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
RE : Existing complaint # : XXXX XXXX has sent the bill to : Afni, a collection agency. 

I do not owe this bill. Neither XXXX or Afni has heard my side of this wroglfully accessed debt. Afni just takes the word of XXXX  becaue they are a big corporation and can get away with ruining a persons credit without merit or cause. Below is my original complaint. Afni needs to read this. Collection agencies should not have the right to assume a debt is owed without talking with me first. 

XX/XX/2020 XXXX you will see I purchased an XXXX from XXXX XXXX. The XXXX didn't work properly and I made seven ( 7 ) calls within fifteen ( 15 ) days to XXXX. I also took the XXXX back to XXXX XXXX and I took it to a local computer/phone repair shop. It would be fixed for a day and go back to not working. My carrier was XXXX. The first thing of note is the people I talked with at XXXX had me calling them back until I had PAST THE FOURTEEN DAY return policy. All of my calls to XXXX are verifiable. On DAY FIFTEEN when I called I was told I was out of luck having them do anything for me. I refused to give up and got through to a " specialist '' within XXXX. I'll make a very very very long story short, I was told I had a right to a FREE replacement or upgrade as I had bought insurance that covered a one time replacement. I received that XXXX and it has been working fine. One day I received a bill for the free replacement XXXX. I am being harassed by XXXX and they are putting this debt in for collection. I returned the old ( 15 days old XXXX XXXX as requested ( see attached ). XXXX sent the instructions and a box on how to return the XXXX, which I followed. I sent it back within the timeframe stipulated. XXXX is absolutely in the wrong. I will not pay this bill and it should not go into collection. Not until I got farther up the line of employees at XXXX was I told I had the replacement coming to me. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

This debt needs to be canceled and taken out of collection. I did everything I could to resolve the issue with that phone and it was not fixable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1. Took auto loan from XXXX XXXX XX/XX/XXXXin XX/XX/XXXX XXXX. Made 1st payment of {$34000.00} in XX/XX/XXXX, {$580.00} in XX/XX/XXXX, paid {$580.00} in XX/XX/XXXX, Paid in full in XX/XX/XXXX by paying last payment of {$770.00} in XX/XX/XXXX 3. Received letter from Bank on XX/XX/XXXX that the auto loan is paid in full 4. Got the title from XXXX on XX/XX/XXXX in my name. 
5. I received a my credit report from Experian indicating a 30 day late payment for the loan in the month of XX/XX/XXXX. 
6. Called XXXX XXXX XX/XX/XXXXand experian to file the dispute. 
7. My credit score dropped from XXXX to XXXX during XX/XX/XXXX. I only have 3 revolving accounts which are never late and fully paid. 
8. I called multiple times to XXXX XXXX XX/XX/XXXX and experian and finally on XX/XX/XXXX, they removed the late payment from my report and now my credit is @ XXXX In the overall 8 months i lost 100 points on my credit score and was not able to buy home due to low credit score which was not my fault. 

I need the following resolution 1. Want my credit score back to XXXX + XXXX. Need to have bank fined for wrong reporting 3. I should be compensated for all the time i spend and the deals i lost due to credit report issues.

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 2020-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello, I am in the process of trying to refinance my Mortgage. I was informed by the new lender on Friday, XX/XX/2020 that Specialized Loan Servicing was reporting me in Forbearance. 
I have never been in Forbearance / deferment. In XX/XX/2020 I did inquire about deferring payments but was told that the deferred payments would not be added to the end of the loan and I would have to requalify if I could not pay the payments that were deferred plus current payment. If I didn't qualify at that time I could sell my home. I did let SLS know at that time that selling my home was not an option therefore I continued to make my mortgage payments on time. I called XXXX on Mon, XX/XX/2020 asking why they were reporting me as forbearance I was told that my zip code is flagged as being affect by the wildfires. I explain I'm no where near the wildfires. I asked how can I be in forbearance if I have made all my payments on time and haven't signed forbearance docs? I asked them to send me a letter via email stating that they have reported me incorrectly and I have never been in forbearance. I finally received the email after several calls stating that I have asked to be taken off of forbearance. The letter did not state that they reported incorrectly. The new lender will not approve my loan because the letter is stating I was in forbearance at one time. I called back and was told that someone will call me back and that a letter saying they made a mistake cant be sent via email. I called back today and when I put my info in the recording says they are close. Its like my number has been blocked. I will attached my Payment History and the Letter/Email I received from them. I explained that I needed the revised letter emailed to me ASAP so I want miss a financial opportunity. Please let me know if you need a more info. I was also told that an other client had asked for a letter via email stating they were reported in Forbearance in error. I asked how many people credit was affect with their erroneous reporting? 
Thanks in advance.

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 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CB1, Inc.
State: OR

Complaint narrative:
I am XXXX. 
Faxed letters dated XX/XX/XXXX, XXXX, and XX/XX/XXXX informing CB1 Collections to cease and desist all contact and that I would only work with the creditor. I have received repeated phone calls have been made to me on XXXX, XX/XX/XXXX, XXXX, and again today on XX/XX/XXXX. The individual who called me today said his name but I had to ask him who he worked for. After he told me CB1 Collections, I hung up. I attempted to fax CB1 Collections another letter after they called me this a.m. However, I received an unsuccessful fax transmission notice ... CB1 Collections should be fined for violating the FCRA and noticed to stop calling/contacting me, period ... I have made repeated attempts to contact the creditor via fax, email, and mail without any response from them regarding settling the debt too ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB CARD SERVICES add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per 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 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. XXXX, XXXX assist with the purchase of a XXXX XXXX XXXX used for XXXX. The total amount of Finance {>= $1,000,000} included a co-signer, XXXX XXXX. Payments are {$210.00} for seventy-two months. Many violations occurred during the time of purchase. Questioning the entire purchase. 
According to the Comptroller of Currency, Santander Consumer ServicesXXXX violated a series of occurrences. Unfair Deceptive Abusive Act Practices. In XXXX, a series of late payments occurred. A credi-risk allowed her credit score to become compromised and decrease her creditworthiness.

Strategic Risk occurred when operations extended a line to purchase a vehicle with a co-signerthe APR 16 % with a time frame of 72 months. With the Resilience score, not an acceptable rate for financing, the co-signer resilience score was more compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
I have spoken to representatives and supervisors and the calls disconnect with no help at all. I have mailed in disputes for the 4 collections on my credit report XXXX XXXX XXXX XXXX with Equifax and they keep saying they haven't received them and this is my second time doing a dispute in writing. The information they have on my report is not accurate and needs to be deleted. My next step is to go forward with a lawyer if need be to make sure my credit is accurate and make it known publicly that Equifax is a fraud company that keeps inaccurate information and provide no help to people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX, 2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters told me when I paid this in full they would delete from my credit report. It has been months now and still showing on my credit report. Did they just lie to me about this just to get it paid. I up held my end and paid on the faith that they would delete this from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
As of the morning of XXXX XXXX, 2020 I had the following crypto-currency in an account at Coinbase.org valued at this in U.S. dollars XXXX {$3700.00} ETH {$1200.00} EOS {$31.00} For a total of XXXX {$4900.00} I stored all my money in a " Vault '' on Coinbase.com. I tried to withdraw that money to put it back in a " XXXX '' at Coinbase.com. Each currency has a XXXX and a corresponding XXXX. This was all internal transfers within Coinbase. 

Coinbase uses 2 factor authentication, so to complete the transfer from the XXXX  to the XXXX. First I used XXXX XXXX to put in a code. Then Coinbase sends me emails to my primary and secondary emails. I have to click on a link in these emails to validate the transaction. After that I am supposed to wait 48 hours, and I will have my money in the respective XXXX. 

The problem is that the secondary email validation does not work, only the primary. Since the secondary email validation does not work, the transfer request is never validated properly and as a result the request is cancelled in 24 hours. This leaves my money in the XXXX, where I can not access it. I can not transfer it out to another financial institution. 

This has been a known issue for 3 years, but nowhere on their website does Coinbase warn users about this bug. In fact, there are instructions of how to use the Vaults, as if there is no issue. 

Please see evidence that people have talked about this online for 3 years : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX Why has coinbase not resolved this issue? 

I have two support request open with them, but have heard from no person. I have no idea if anyone is working on my request or when it will be handled. 

Case # XXXX and Case # XXXX I have also tried to call, there is no possible way to contact anyone directly. It is all automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: PA

Complaint narrative:
On XXXX XXXX, 2020, XXXX XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB add a hard inquiry on my credit report per 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 non-monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ERC
State: CA

Complaint narrative:
THE DATE WAS XX/XX/XXXX XXXXINQUIRIE IS ON MY CREDIT REPORT THAT I DONT RECOGNIZE AT ALL..I WAS TOLD TO REPORT TO FTC..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I'm currently reviewing my current credit bureau reporting, and records show an inquiry from TD Bank USA/Target on XX/XX/2019. I have not applied for a TD Bank USA card or Target card. Evidently the information matches because It's on my credit report, however, I did not submit this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On three dates, my bank statement showed ACH payments to Goldman Sachs BA Collections, as follows : XX/XX/2020 for.. {$100.00} ; XX/XX/2020 for.. {$940.00} ; XX/XX/2020 for {$1700.00}. 

None of these payments we authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XXXX XXXX, XX/XX/XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX 
On XXXX XXXX, XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XX/XX/XXXX XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On XX/XX/XXXX I began a process for a Mortgage Loan on Pentagon Federal Credit Union. I submitted all the pertinent documents as requested by the loan officer. The bank ask me to pay for the appraisal, the property inspection and sign the selling contract with the seller. As part of the contract I have to deposit {$1000.00} on behalf of the seller. After submitted all the documents the closing was scheduled for XX/XX/2020. Because I live in XXXX XXXX, I make reservations for plane tickets and rent a vehicle in order to attend the closing.On the final moment the loan officer cancel the closing and scheduled again for Monday. I request an extension of the selling contract for XX/XX/XXXX and change the flight and rented car. The loan officer assured that the closing will be scheduled for Monday afternoon. For my surprise and the sellers, the loan officer sent an email cancelling the transaction allegedly because the property was a Condo. From the beginning the mortgage lender knows the fact that the property was a Condo and insisted on requesting the documents and paying for all the fees involved on the process. Due to the cancellation of the closing on the last minute, the seller refuse to reimburse the {$1000.00} deposit. I asked for An explanation from the mortgage lender and we received no answer. Due this outrage we lost all the expenses incurred to complete the loan process. We requested the reimbursement of all our expenses estimated in more than {$5000.00} and nobody reply our email.

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I'm currently reviewing my current credit bureau reporting, and records show an inquiry from XXXXXX/XX/XXXX Wayfair  on XXXX/XXXXXX/XX/XXXX. I have not applied for a XXXX XX/XX/XXXX card or Wayfair card. Evidently the information matches because It's on my credit report, however, I did not submit this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX, 2019, XXXX XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXX. 
On XX/XX/2019, CAPITAL ONE add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief