vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX  incorrectly reported a XXXX XXXX 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Experian needs investigate the erroneous statement. Experian is not to verify if the account belongs to me! Not verify my name, address etc!!! Experian needs to follow the federal law to report accurate information. My report says XXXX XXXX 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
I applied for XXXX XXXX Amex Card online on XX/XX/2021 due to their advertisement for the promotional offer for XXXX bonus plus other stuff. I was approved instantly and got the card on XXXX. 

I started spending and by XX/XX/XXXX I had spent more than XXXX which is the line to get the bonus. I did not get the bonus so I reached out to Amex 's customer service and was told I was not qualified for the bonus because I used to own other XXXX cards. 

I asked to speak with the supervisor and was told the same, I requested them to view my credit reports and told them that I do not have any other XXXX cards. I was told " they don't believe me ''. They asked me whether I would cancel my card and they would refund my card fee. 

I asked them to proceed to cancel my card. Now my credit report was adversely impacted and I am not qualified for the bonus to get other XXXX cards due to the fact that I have applied to the XXXX XXXX Amex Card and was approved. 

This is fraud and I would request CFPB to investigate and help me get a feedback from Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
Upon checking my credit file Ive noticed a company named ERC has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: SF VAGO, LLC
State: GA

Complaint narrative:
I HAVE CALLED XXXX XXXX AND THE COMPANY EMVLP LLC ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
Upon checking my credit file Ive noticed a company named Debt recovery solutions Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above company to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I wrote to Coinbase asking access to my account after finding the message " account temporarily disabled '' when trying to login into my account. Coinbase Support responded that will contact me, and later they said that it may take 4 to 5 business days to resolve it. After that I have sent three e-mails requesting an explanation and asking to close my account and refund my funds. As of today XX/XX/2021, my account remains disabled and I haven't received answer to my three e-mails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I opened a Checking and Savings account with US Bank. As a US Bank Employee. 

When I attempted to login online, I found out that there was another email address AND phone number I have never used, or known, that was listed as my account. That had access to my funds. That I sent money to from my primary life savings account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I sent Infiniti finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of 2020, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT. 
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 

So if Infiniti finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor.

I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told Infiniti finance that the vehicle was traded in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
I received a Perkins loan while in XXXX school. I was told that my loan will cancel if I work as a XXXX. I followed the rules, and I have worked for 6 years as a XXXX. I submitted my letter from my employer as evidence, and I was later told that my loan had been sold to a collections agency due to failure to pay. I explained that my loan should be canceled because I followed the rules and have provided evidence that I have worked as a XXXX  I was informed that I am not eligible to cancel because the loan is now in default. I was told to send a message to this link because the terms of my loan was not kept by the original company that managed my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TN

Complaint narrative:
I am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: GA

Complaint narrative:
I HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND TRANSUNION.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY EXPERIAN, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fake accounts were opened in my name at SunTrust Bank. I called the bank more than once to close the fake accounts. The last phone call was on XX/XX/21. I also wrote a letter on XX/XX/21 to tell the bank to close the accounts. 

SunTrust closed the savings account but not the checking account. I am contacting the CFPB because I am tired of getting the run around from SunTrust.

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 2021-06-23 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Upon checking my credit file Ive noticed a company cbs collect has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above to be removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
On Friday, XX/XX/2021, I was approved for an apartment complex. She told me to come by and bring my deposit. I went to XXXX XXXX and got two money orders, one for {$340.00} and the other one for {$480.00}. I went to the apartment complex and filled it out there, the lady gave me copies of the money orders and told me I was good to go. On Tuesday, I called the apartment complex to get further information, like when I could come by and sign the lease, what my apartment number would me, etc. Lady at the apartment complex told me I would have to come by and pick up the money orders because she wouldnt know when the apartment would be available. She then told me that I could either take it t back to XXXX XXXX or to my bank. I tried my bank first and they told me that I would not be able to deposit my own money being it had the apartment complex name on it. I then proceeded to try XXXX XXXX and they told me no as well. Okay called the apartment complex and told them the situation and she said if I wanted to, I could bri g the money orders back and allow up to 10 business days. I told her I would do that, and she stopped responding. Yesterday, XX/XX/2021, I called the apartment complex to figure out what they wanted me to do, XXXX, informed me that she would get back in touch with me and never did. Today, XX/XX/2021, I called the apartment complex again to again figure out what to do. She tells me that I could bring the money orders back and it would take 15 days. I said ok. I called back to see what time they closed and she told me that they were not going to take my money orders back and told me to try to take it back to another XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Holloway Credit Solutions
State: AL

Complaint narrative:
I have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), Holloway Credit Solutions, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

XXXX : Has not provided proper validation of the debt owing to me Holloway : has not responded XXXX : has not responded XXXX  : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
SLS states change to update the information on the XXXX tax form 1098 was made at my request. See attached SLS_XXXX SLS CAN NOT locate this request. See attached XXXX XXXX XXXX SLS claims " the tax form was updated to reflect the correct ending principal balance. See Id.. Note : Both the original and " corrected '' forms show {$66000.00} as " beginning principal balance. '' Both forms show " amount paid '' as {$66000.00}. See attached XXXX XXXX XXXX  ( original ) and SLS_XXXX ( altered XXXX Form 1098 ). Please forward the servicing notes for XXXX and XX/XX/XXXX explaining how {$66000.00} minus {$66000.00} equals something other than XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I took out a loan for a XXXX XXXX XXXX in XXXX XXXX. Since then the payments I have been making are {$510.00}. this was purchased from an authorized XXXX XXXX in XXXX, GA and the lending company used was Santander. The interest rate that I was given is 25.4 % interest. There have been a few months where i was late on payments, The total late charges were {$340.00} however just recently on the XXXX of XXXX i contacted them to make the payment for all the late charges as well as the current payment for the month. I also inquired in how to start paying advanced payments and how to get them applied to loan principal. The operator advised us after the recent payment made on the XXXX the account was up to date, and that the way to make sure payments were applied to the loan is to pay the minimum monthly payment each month, and then make a second payment and call them to indicate them to apply to the principal. then i called again on XX/XX/XXXX with the intention to make a second payment to apply to the principal however the operator this time said that the payment originally made on the day prior was not applied to the late fees, but to future payments, and that she would have to make a request or something to have the payment applied a certain way. so essentially, the problem is that these parasitic theives are doing the following : 1 - charging me 25.4 % interest on a car loan that originally cost approximately {$19000.00}, and after approximately 2.5 years i still owe around {$16000.00} usd 2 - now that i am trying to pay off the loan with advance payments, i am getting all sorts of runaround, not clear instructions, no support on how to pay off this loan. 

I dont want to start throwing money blindly at this foreign shady institucion Santander and i am out all sorts of money. 

any sort of help or guidance on how to deal with these people is greatly appreciated.

Company response to consumer: Closed with explanation