vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX2021 I sent a letter regarding inaccurate and unverified information on my credit report. I waited for a response but it has been over 60 days and I have still not received any correspondences regarding my request. This information is affecting my ability to obtain credit. Section 611 ( a ) says that a failure to investigate my claims within 30 days is grounds for immediate removal the items in question on my credit report. Considering that it has been over 60 days at this point I demand that these items be updated/removed immediately according to my request in the letters sent. If these items are not removed I will explore the option of filing for litigation as my rights are being violated and I need these matters addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has locked me out of my account, with zero communication or explanation, while having over {$10000.00} in assets in the account. I find this to be unprofessional and honestly illegal given I've attempted to contact them with zero communication back. I work in the compliance field and deal with these cases all the time, the least they can do is communicate - however it seems like they decide to randomly lock users out based on a quick XXXX search. I am exhausting all resources and energy to try get my funds out as this is ridiculous. They make an insane fee on every trade and seems like day-light robbery to just lock customers out without any explanation. It's important to note that I am fully XXXX with source of income and reside in XXXX. I would grealtly appreciate your assistance as it seems like you assisted people online. I also have a fully strong generated password with 2FA and email confirmation login - whatever reason they decide to give is honestly going to be full of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Hi My name is XXXX XXXX. I am contacting the CFPB today in relations to the account Nissan Motor Acceptance on my XXXX and XXXX credit report that is posting inaccurate information on my credit report that is severely hurting my score where I can not go for a mortgage loan. This account was never a debt collection or charge-off nor did it have any late payments whatsoever. I would like to see the verifiable information that XXXX and XXXX are claiming that this company is sending to verify these late payments as this account has been on time and paid in full. Whereas the account is inaccurately reporting across these two bureaus with no balance or loan amount or past due amount so I'm so confused. However, what I do know is that this account is current and up to date and no payments were late. So if inaccurate past due or late payments amounts isn't fixed I will look to proceed with legal action because I don't deserve as a consumer to have my credit played with as I worked hard to get my credit to where it is currently at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Have recently received a Judgement warning for a charged off debt and has threatened to garnish bank 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 2022-02-26 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: GA

Complaint narrative:
I am a victim of Identity Theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX collections XXXX, XXXX XXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
Crown Asset Management ( C.A.M. ) has violated my rights as a consumer. 

C.A.M. has brought upon unfair practices against me by trying to collect an alleged debt through litigation. Fact, under the FDCPA pursuant to 15 USC 1692i ( b ) they have no authorization as a debt collector to bring any legal action against a consumer.

C.A.M. has also violated my rights under 15 USC 1692j by furnishing a deceptive form to make me believe I owe this alleged debt. C.A.M. has also violated my privacy pursuant to 15 USC 1681a ( 4 ) by obtaining my personal information without my consent and also reporting inaccuracies to the major credit reporting agencies. 

Crown Asset Managements unwilful behavior has caused me extreme embarrassment, a ruined reputation, XXXX XXXXXXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
EXPERIAN is reporting information on XXXX XXXX accounts that are incomplete and inaccurate. I never gave EXPERIAN written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I started to apply for a credit card with capital one bank I got approved The next step was to deposit around {$49.00} to my account. 
Before completing the deposition, The wifi connection interrupted When the connection back, I tried to complete the money deposit to my account but the website push XXXX to start over the application process I did it again but I got rejected O thought there is an error in my information that I submit I tried again ( XXXX time ), I got a rejection When I checked my email I found I received XXXX emails The first XXXX, approved application The other XXXX, declined application I realized that this happened due to repeated application at the same time I followed the link in the email of approved application and I was successfully able to deposit the money and I received a new email that every thing is fine and in progress XXXX days later I received a conformation mail that my application is approved and my card will be issue soon Few days later I received a new email that my card was shipped and I will receive it on XXXX first When I checked my credit report, I found hard inquiry from capital one on XX/XX/2022. 
I found its the same day of my application and I was sure it ls due the accidentally repeated application I contacted the bank XXXX  times, they were unable to help me and they asked me to contact the credit bearu I cant log in to XXXX and XXXX I did a dispute with XXXX but they asked me to contact the bank Attached are the emails I got Please see the dates All on the same day The approval is the first XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: GA

Complaint narrative:
I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX collections XXXX, XXXX XXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: GA

Complaint narrative:
I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
I had an refinanced mortgage loan through Loan Depot. This house was sold and closed on roughly XX/XX/XXXX. I had an escrow balance of {$1400.00} at the time of closing, that was to be refunded to me. I waited until mid XX/XX/XXXX and received my refund check but it was only for the amount of {$270.00}, which left a discrepancy of {$1100.00}. The discrepancy was paid out as a hazard insurance deductible, which I never had activated on the mortgage because I was never behind on payments. 

I immediately contacted them around XX/XX/XXXX to see what happened. My escrow refund was sent to the wrong account, at an XXXX insurance account. After a few hours on the phone they told me they would process the problem in 7-10 days and have my paper check for the remaining {$1100.00} in the mail and to me within 10 days after it was processed. It is now XX/XX/XXXX. I gave them 14 days from the original call date of XX/XX/XXXX and called back to check the status of the processing, I was informed they hadn't even looked at it. I was told they put priority on the case and escalated it so it would be done. I called again early XXXX, and sent an e-mail about my issue and that was never responded to. My case was still not processed and they couldn't even tell me why. 

I called again XX/XX/XXXX. Still no update and my refund was still not processed, I was told it was being escalated again. The date is now XX/XX/XXXX, more than 2 full months after closing and I have not received my {$1100.00} check from Loan Depot, nor have I received an update to why my money is being held by them. I'm not sure what else I can do to get my money back from them. I have been given a constant run around on the phone lines for hours and emails are not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX  documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for Experian, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting 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
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
My credit score dropped dramatically though I have been paying all the bills on time since I arrived at US in XXXX. I never had any issue with late payment or debt. My credit score has been excellent except this happened. When I checked my credit report, I found out that there are incorrect address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ), phone number ( XXXX XXXX ) and debt on XXXX account ( XXXX ) which I never opened. I do not know how someone got my info and stole my identity. XXXX did not check the info securely and easily opened the account with someone's stolen information. I have never experienced identity theft issue and very complicated. Now XXXX sent it to Jefferson debt collection amount {$5400.00} that appeared on my credit report. It caused a lot of stress to a father  of XXXX, who struggles to pay the rent, bill, family expenses every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
XX/XX/2022 I attempted to send money to my family overseas. After filling the online information section at Western Union website, it stated that I had to provide my id information. I uploaded the image and sent it to the company. Western Union website stated that my transaction was on hold because they needed my id. This time, they said send the id to a specific email address XXXX XXXX. I resent my driver 's license image again with the XXXX  number : XXXX. After a couple of hours, I got an email that my transaction got declined. I called Western Union and the associate was not able to tell me why the transaction got declined and stated that I go to a store to do a transfer.

Next day, I went to a local store to do a transfer. The store was not able to do a bank-to-bank transfer and required me to have an agent. I don't know of any agent and preferred a bank-to-bank transfer. 

Again, filled an application to send the money o my family. Again, Western union put my transfer on hold because I need to send them my id. XXXX number : XXXX. I have sent them my id 3 times and each time I send it they say, they don't see it. 
I wanted to talk to a manager and the lady on the phone was very rude and said the managers will not be able to talk at the time. 

I don't understand why Western Union is putting a hold on my transfer. It is my money and I am asking them to make a transfer and Western Union is giving me a hard time like as though, I am a criminal.

Never seen a bank behave this way to its customer.

Very bad customer service very bad service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have never recieved my old Us bank Debit card. Someone had stole and activating my old US bank debit card and stole all my funds out of my account. They had maxed my card out of {$15000.00}. i have never authorize any of those fraud transactions i had disputed immediately. I contacted police immediate and had submitted a fraud report for investigation. Us bank fails to investigate this fraud activity. They have never investigate this situation for over a year. I have been waiting months for them to tell me they dont have any investigation going on or any 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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and transunion pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting 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
Consumer complaint received 2022-02-26 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: FL

Complaint narrative:
Equifax has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to Equifax and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to Equifax to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Haven't received funds from closed account going on ( XXXX ) months now. Chase bank closed my business account without notice and held funds past the legal holding time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
Account Name : VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and thE contract they sent over does not have my address or signature on file. The contract also shows 1 payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( FDCPA ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially one that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Comenity Bank for XXXX account is closed due to the company original company changing, so they closed it which was the grantor choice, but I was always making payments and this time missed a payment, finance charges/ interest fees/late fee charges for acct that's closed that I been paying on since 2020. Never rcvd letter it was even closing the acct. They have excessively repeatively contacted me and if you look at the history payments were on time, nothing reported as a non-payment on my credit report. This month they didn't tell me that they would report it to credit bureau and they did and that made me lose XXXX points. The payment was still made this month and it is not even XXXX for them to report a late payment or no payment for XXXX. I would like to file a complaint for them blocking their number to call me, calling me from 2-3 different numbers, and even after speaking to them that I was going to make the payment they still called me numerous times during the day, during the weekday everyday, and in on weekends. Even at night time, it was after XXXX or around XXXX a few times. According to FDCPA laws, you only can call me 7 times in a 7 day time period even if I answered or not. They are in violation. XXXX

Company response to consumer: Closed with monetary relief