vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
GoodLeap is applying different methods from month to month on how they process payments. I sent a {$50.00} payment in XX/XX/2021 with instructions to apply it to my principal. It was only applied to interest. By the load agreement, my first payment was not due until XXXX XXXX XXXX. Then in XX/XX/2021 I sent in an additional {$100.00} principal. Then on the due date they elected to only debit my account {$42.00} instead of {$140.00} and they elected to split the payment ( {$84.00} for interest and XXXX for principal for the XXXX XX/XX/2021 payments ). 
The also failed to provide me monthly statements in XXXX and XX/XX/2021 until I filed a complaint with the XXXX. For XXXX months I had no insight into how payments were being applied or my loan balance. 
When I went through the details of daily breakdown of changes, I noticed that on XXXX XX/XX/2021 my daily interest accrual went up while my loan balance and rate remained constant. This also happened on XXXX XX/XX/2021. In fact, with a lower principal than my initial opening balance my interest per day is actually higher on XXXX XXXX ( {$2.00} vs. {$2.00} at the beginning of the loan ). GoodLeap will not explain exactly what they are doing nor will they provide answers to why my account is not always up to date. I have been overcharged interest on this loan. I was effectively charged {$160.00} in interest for XXXX ( counting the {$50.00} sent in XXXX ) and the loan agreement states the XXXX payment was only to be {$140.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/2021 the XXXX approved of me an XXXX XXXXXXXX XXXX for XXXX $ & another part for XXXX $ I went to the first horizon ( my bank ) to make a withdrawal.. 

The bank didnt touch my XXXX $ but when I got the XXXX it went through & was in my account it posted. 

I went to the teller trying to withdraw XXXX $ so I can put my deposit down for my XXXX store. I heard the teller on the phone with her XXXX. She personally flagged my account and they wouldnt release my funds till I gave them my tax returns & my business license. 

I gave them both of those things they requested my account is still negative. XXXX XXXX 

I feel discriminated because of my age and race! This is not right. I am looking for lawyers now because this whole situation is utterly ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft my identity was used to obtain goods and 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 2021-11-22 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 have sent a direct dispute via certified mail to the credit reporting agencies, XXXX EQUIFAX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX  days, now XXXX  days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CA

Complaint narrative:
I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX XXXX AND EXPERIAN on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.

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 2021-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent a direct dispute via certified mail to the credit reporting agencies, TRANSUNION XXXX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NJ

Complaint narrative:
Good Afternoon, On XX/XX/2021, I submitted a complaint to Equifax detailing that I had closed my XXXX XXXX account, in which I provided official documentation from XXXX XXXX to the XXXX verifying that my account had indeed been closed, as sufficient proof of this occurrence, and that my credit report was reflecting incorrectly. Equifax then stated they were launching an investigation, and then closed out the investigation without updating any information. Since I provided verifiable information, Equifax blatantly violated the XXXX, by not conducting a valid investigation, and I would like for the XXXX to hold them accountable, preferably with large fines. I am submitting a second XXXX complaint, to document a direct violation of the XXXX  by Equifax, and am asking to have an actual person review the documentation presented, as it appears they did not review any of the documentation provided in the prior complaint. Should Equifax continue down it's current path, they will face a lawsuit for violating the XXXX  under XXXX XXXX. XXXX ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SANTANDER CONSUMER U. This particular account is undoubtedly placed as a charged-off account. The balance was already zero yet the account was still indicating as a charge off. There must be a payment history that shows a XXXX  past due for this account. You are reporting mistaken information on this account. This must be removed immediately. Per FCRA, reporting must be 100 %  accurate or the information must be deleted. 
SANTANDER CONSUMER U ***** Opened Date XXXX XXXX, 2016 Balance {$0.00} SANTANDER  ***** Opened Date XXXX XXXX, 2016 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PR

Complaint narrative:
TO WHO EVER RECEIVED THIS, MY NAME IS XXXX XXXX XXXX XXXX TRYING TO ADDRESS A SITUATION. WHERE MY STUDENT LOAND ARE CONSOLIDATED AND I TRY TO CONTACT XXXX XXXX XXXX IN REGARDS OF IT, SO THEY COULD TAKE ANY ACTION ON THE REMOVAL OF THIS ACCOUNT. HERE THE ACCOUNT NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
contacted XXXX XXXX  after dispute was filed with XXXX XXXX XXXX, was notified by them that XXXX XXXX needed authorization before proceeding contacted XXXX XXXX to provide the authorization that requested to investigate the account, when tried to reachh XXXX XXXX they failed to offer me authorization, investigate the account acted as if they knew nothing in which they told XXXX XXXX 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 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX has been trying to collect a debt not owed for a year. I send them the receipts and they still pass my info off to a new debt collector each time. I have had to remove this from my credit once before and filed a complaint against them yet they persist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
my bank have frozen my account and canceled my ATM crad. I have cleared and available funds in the account however the bank have refused to allow access. I want the account closed and a check mailed to for the available balance. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My student loan was with Navient and was past due but went through a recovery program and was transferred to XXXX in 2018. I am trying to get approved for a mortgage however my credit report is still showing that I have an open loan with Navient that is over XXXX day past due. I have called Navient twice. The first time I was told once that I would qualify for a " XXXX time courtesy update of my credit report '' I called back after XXXX business days and was told that it was rejected. I asked why and was not given any answer. I asked that a XXXX ticket be put through explaining that I need the reporting to show no past due balance and that the loan is closed. I was told that this would take typically up to XXXX months to be processed but they would ask that it be " escalated ''. Navient does not notify anyone when a ticket is rejected or accepted so there is no way for me to know when or if this will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking account with XXXX XXXX in XXXX, which was taken over by BB & T and now Truist. A XXXX  year contractual agreement. During that time I added a savings account, credit card and a rewards card. I use these accounts to make purchases and pay bills. I have had a satisfactory relationship with only a couple of issues. As of XX/XX/XXXX, I have a credit score with XXXX of XXXX. Both my credit card and rewards card are paid off monthly. I have never missed a payment or been subject to any fees. There is only XXXX company with which I do an Auto.Pay. That is XXXX for my personal car insurance and my son 's car insurance.I will attache this years statements. My personal XXXX XXXX payments are still and have been handled each month. My son 's Auto Pay payments, using identical information was handled XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. However on XX/XX/XXXX, the {$130.00} payment was rejected. Truist did not notify me! On XX/XX/XXXX, the XXXX auto pay request for {$260.00} was denied. Again Truist did not notify me. Since these payments were for my son 's car insurance, XXXX could not notify me. My son 's insurance was canceled. Unfortunately I did not learn of this until XXXX. Fortunately the vehicle was being worked on and wasn't being driven. I contacted XXXX and paid back payments and fees along with setting up a new policy. {$480.00}. The vehicle was repaired and back on the road. However due to the lapse in coverage the monthly premium increased to {$250.00}. 
I contacted Truist to find out what happened, and they informed me they can not access any records that old! ( XXXX and XXXX of XXXX ) They also do not know why I was not notified! 

Truist acting as my agent in a 40 year contractual relationship failed in their fiduciary responsibility. Their malfeasance has and will continue to cost me an additional {$120.00} per month. Had the vehicle been road worthy, Truist would have put my son at extreme risk by driving without insurance.They have failed to contact me, refused to provide an explanation or remedy.

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 2021-11-22 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.
State: NJ

Complaint narrative:
On XX/XX/21, I purchased XXXX on Coinbase XXXX. When I attempted to withdraw my investment the following day I was unable to because they restricted my account. 

I discovered that Coinbase and Coinbase XXXX  posted, on XXXX, that they were experiencing technical issues with XXXX and XXXX  and were working to resolve the issue. 

On XX/XX/21, I called Coinbase and was told they are investigating the matter and was given no further information. 

To date, my account remains restricted and I am unable to manage my XXXX portfolio. Many other customers are experiencing similar issues based on the XXXX feeds. 

Please investigate their bad practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
The Indigo XXXX XXXX  I was sent a pre approval. I accepted the card and never received the card. Ive called the company XXXX XXXX asking when the card would arrive and no one would tell me when it would come. Its been a XXXX waiting for it to arrive and inside this month theyve sent multiple letters to my address but not my card. They sent a bill and filed it on my credit report, yet the card was never delivered to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
This company is making a fake charge under my name and has it on my credit report and accused me of having knowledge of this agreement where I owe {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 


XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.

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 2021-11-22 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 LOST MY IDENTITY AND I PILLED MY REPORT. THERE ARE NUMEROUS ACCOUNT THAT SEEMS TO BE INCORRECT ON MY REPORT. I SENT A DISPUTE LETTER ON THE XX/XX/2021 ABOUT THOSE ACCOUNTS THAT APPEAR TO BE INNACURATE ON MY REPORT. I REACHED OUT TO THE CREDITOR AND THE NEVER RESPONDED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: FL

Complaint narrative:
I HAVE LOST MY IDENTITY AND I PILLED MY REPORT. THERE ARE NUMEROUS ACCOUNT THAT SEEMS TO BE INCORRECT ON MY REPORT. I SENT A DISPUTE LETTER ON THE XX/XX/2021 ABOUT THOSE ACCOUNTS THAT APPEAR TO BE INNACURATE ON MY REPORT. I REACHED OUT TO THE CREDITOR AND THE NEVER RESPONDED TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief