vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all dates that I have disputed this account with the Chrysler Capital. 
On each of these dates, I have brought to their attention on how the balance owed does not match the amounts listed on the explanation of calculation of surplus or deficiency as well as the account summary provided. They each listed 2 different amounts which show the same balances. I have brought to their attention on how the contract shows a credit sale between me and the dealership and not with with Chrysler Capital/Santander. When the vehicle was sold off, there was not an intent to sale notice provided and neither provided when I wrote my letters on multiple dates. One last thing is the months that are reporting incorrectly. I have a contract showing that the months were for 72 and on my credit report, it states 79 months. 

After each contact with this company, they keep verifying that this account is accurate. I am not sure as to how they are verifying that this information is correct when I am consistently showing that they are not. 

At this point, I would like to have the account removed for this company operating under deceptive practices when it comes to my credit report and the account listed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed on my XXXX  and XXXX  credit reports a completely invalid debt from Wakefield and Associates. As per my credit report this illegal debt is from XX/XX/XXXX. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the FTC and XXXX  because to my knowledge I do not recall any of this account. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly I am being ignored. I demand this account be deleted immediately or I will file for litigation due to the stress I have been caused. Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove said item from my credit report it has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank Americas Most Convenient Bank, has been AN INCONVENIENT BANK FOR MY FAMILY. 
On XX/XX/XXXX2020 I have opened a TD Beyond Checking Account for which I have received a promotion offer to earn {$300.00} when set up and receive direct deposits totaling {$2500.00} or more within 60 days of account opening. 
On XXXX XXXX 2020, they have decided to close my account after I have met all the offer criteria, for which the bonus was supposed to be credited to the new personal checking account no later than 140 days from account opening. 
They gave me a XXXX with a reference number XXXX. I have called multiple times, and left messages, but no one had returned my calls. I went to the physically branch at XXXX XXXX XXXX XXXX, XXXX XXXX, and I have been told they could not help since the account was already closed. 
I had {$3900.00} at the time account was closed until right now they will not give me my hard earn money. This is unacceptable, disrespectful and inconvenient. I went through the Holidays being short on my budget and adding to my credit card bill to make end meet. 
I am kindling requesting for TD Bank to release my money to me. 

Multiple complaints : Didn't receive terms that were advertised Funds not received from closed account XX/XX/XXXX20 Open account {$500.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I pay additional money every. Month and they don't apply it to my balance I have called them seven times asking for this to be fixed I have been paying the extra amount for over a year and a half and they refuse to deduct it from my principal and just keep pushing the payment due date out and keep the loan amount high causing me to pay more in interest. The bank is M & T Bank and the loan is for my boat. I need this corrected and the principal adjusted please and they won't do anything for me and when I try to call the bank now I am out in hold for hours. As you can see by the attached document I pay more then the agreement and have been for a long time and the balance does not reflect it nor does the face they are charging me interest incorrectly.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been sending multiple written requests but the accounts that are listed below are still showing on my Credit Report in violation of Federal Law. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1100.00}

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 2021-01-06 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: FL

Complaint narrative:
On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes.

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 2021-01-06 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:
On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes.

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 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX  reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and XXXX  telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have received weekly advertisements with credit card offers from Citi bank over the past year. I applied for a credit card on or about XXXX of XXXX. Citi bank denied my request based on stating I had too may inquiries and being that i had a bankruptcy in XXXX I was denied. My credit score and my life has changed since then and my credit score is XXXX, and I own a home. I have credit cards from XXXX, XXXX  XXXX XXXX, XXXX XXXX. My issue is that Citibank keeps sending me advertisements for credit cards and when I applied again in XXXX of XXXX they again denied me for the same reason. The reason again was a bankruptcy filed, in XXXX, this should be illegal. The law states the c a bankruptcy can only held against you for 10 years. This is going on 13 years since I filed and my credit is good and all my bills are paid on time. I believe Citi Bank is an unprofessional unorganized company and I would appreciate it if they would stop mailing me credit card offers and to get their act together and not hold something against me or others for something that has happened so long ago. Is this how a company should do business? This has also lowered my credit score because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is advertising an alleged debt that has been paid on my consumer reports. This is affecting my reputation and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted Bank of America in the third quarter of 2019 about a workout modification on my residence. I complied with all of the numerous requirements, answered all of the questions, and received my trial modification. I complied with all of the requirements for the trial and was issued a permanent modification in late XXXX, with a deadline of XXXX XXXX. I complied with that timeline, submitted the signed documentation through their portal, and followed with a paper copy. I contacted them to make my payment on XXXX XXXX, and was told that the modification was not set up yet in their system, but that a payment could be made. I made the new payment amount on that date. I then was contacted on XXXX XXXX asking if I verbally consented to the modification. The representative had no idea that I had submitted the signed mod, confirmed the the mod STILL was not updated into my account, and wanted me to verbally consent to a modification that I had already submitted to them in writing. Twice. Subsequent to that ( that afternoon ), I received a countersigned copy of my modification paperwork. Late yesterday, I received a partial payment notification, reflecting that my payment was posted as my PRIOR, non-modification amount, with an amount placed into suspense, or partial balance, etc., but not as a full payment per my modification terms. Further, my account still showed an outstanding pre-modification default balance. This balance was handled by the modification, and now it appears that I still owe approx. 15,000 in default balance, despite the fact that I complied and continue to comply with all terms. I contacted Bank of America and was told that it would take " two weeks '' because of the holidays to update my account, despite the fact that 8 business days have already passed since I submitted the documentation to them. I'm worried that my property may be in jeopardy if someone doesn't check another section to verify that a modification exists, and pass this loan on to foreclosure due to their negligent handling. I need a resolution.

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 2021-01-06 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: AL

Complaint narrative:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2021-01-06 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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: TX

Complaint narrative:
I have disputed these 3 accounts off of my credit with Equifax 2 weeks ago. Still have not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-01-06 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
My issue is with Coinbase.com and Bitcoin that I purchased through them. 

-- -On XX/XX/XXXX I purchased {$150.00} ( appx. 70 % of an entire Bitcoin ) worth of Bitcoin, {$150.00} after the Coinbase fee. On XX/XX/XXXX at XXXX XXXX  this transaction was completed. 

-- -On XX/XX/XXXX I purchased {$40.00} worth of Bitcoin XXXX {$39.00} after the Coinbase fee. On XX/XX/XXXX at XXXX XXXX this transaction was completed. 

-- -On XX/XX/XXXX I purchased {$10.00} worth of Bitcoin , {$9.00} after the Coinbase fee.

And now I went to check when this transaction was completed and the Coinbase website keeps telling me there is an error and I can't get in it. If memory serves me correct I had two more purchases of Bitcoin in 2017, both for small amounts. I believe only {$5.00} or {$10.00}. 


As of todayXXXX, the Coinbase website says my portfolio is worth only {$130.00}. After talking to some friends who are Bitcoin savvy they say my account should be worth around {$30000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital One # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2021-01-06 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: AL

Complaint narrative:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

Company response to consumer: Closed with explanation