vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
My account was marked 30 days past due XX/XX/XXXX for XXXX which was in accurate I tried to speak with the agent about it and they were rude saying I owed {$250.00} XX/XX/XXXX I paid {$350.00} the full amount they can I was past due including the late fee they added because I just wanted my account corrected per the agent they would correct my account once I made a payment. XX/XX/XXXX I requested the payment he updated with the bureau they marked it another 30 days late for XX/XX/XXXX how can that be possible when make payment if I paid what they claim what past due and my payment for XXXX was dated to come out the same date I requested they update the XXXX payment this company is violating my laws and practice been reporting habits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX at an authorized XXXX dealership. Upon the trade the dealership was suppose to pay off my old car. My financing company for the XXXX began calling me about late payments which confused me because the car should have been paid off in full by my new financing company. I was in full communication with both companies for weeks about this error and was assured this should not affect my credit. The new financing company corrected their error and paid the car off but not before negative reports were made on my credit report. The new financing company made a big mistake when it came to my trade. I was in full communication and cooperation with both companies and feel there was nothing I could have done differently so the negative report and credit scoXXXX reduction should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
XXXX : Navy Federal Credit Union . I am expecting a large deposit in a specific account and I can see on my app and online the accounts were already opened. Im supposed to give permission to set them up. I am worried this hacker scam artist whatever he is set it up to get the money before I can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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.

Complaint narrative:
Hi, I cant access my credit file. 

Unfortunately, like many other people who come from disadvantaged backgrounds like myself, with out the means of financial education on interest and time. I incurred some pay day loans to get out of an abusive living situation. 
I know through my personal desperation, I probably put my information at risk. Now two years later I have settled all of my pay day loans. ( bar one new one ). On multiple times when checking my credit report, I havent been able to access, with security questions about having a mortgage which I clearly do not have. A few months ago I was contacted by creditor, on a dispute where someone had used my Information for the wrong address, incurring debt passed on to a debt advisor. I was told because it was not me they could give me any more information, or discuss the matter further. I am keen to improve my life, and credit score and want to make sure all my information is correct so I can take the correct procedures to improve my score

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive Government benefits, on XX/XX/XXXX I withdrawal {$300.00} from my actual Bank ATM, XXXX XXXX XXXX XXXX. I was distracted and did not pull my funds from machine in time. Next day waited for bank to have money returned. XXXX XXXX XXXX XXXX wasnt scheduled to audit until Thursday XX/XX/2021, meanwhile they directed me to file claim with Bank of America so that once they receive claim they could refund funds to my account. So I called Bank of America, explained the same above. Received claim number, called to check my balance, which was {$160.00}, was hoping {$300.00} was returned as well. Called few hours later and it stated my card was closed. Spoke to several representatives, XXXX, XXXX, XXXX, XXXX, and XXXX the that hung up on me after I ask to speak to someone over her. Its now day 5 and I explained my hardship of not even being able to buy food nor my medications. Finger pointing for days, which I complied with all suggestions. Spoke to XXXX EDD nothing wrong on their end, verified my identity, sent to Bank of America, my card is Closed/Frozen/Hold/Freeze/temporaryhold. I need my money to survive. My card was not reported stolen, never have I had a problem. The reason for my call was a error done by me, and they froze the remaining funds I had access to, and I am counted amongst XXXX XXXX others cards that are frozen. I am verified, spoke with XXXX and XXXX XXXX let me know they are in fact over by {$300.00}, wanted to give it back but didnt want double jeopardy. So I am in a deeper hardship and Bank of America representative XXXX, hung up on me. My card should have never been frozen. I need my funds. Spoke to so many for 5 days, and I seem to be just XXXX XXXX with the same problem. I need food, medication and low stress levels. I have complied, unfreeze my card.

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX I decide to check my Wells Fargo account to make sure I was not charged for text book rentals that I forgot to turn in because I am a college student, and when I checked my bank account I seen various ATM withdrawals totaling up to nine transactions that I did not authorize nor did I take out myself and when I check my wallet my card is no where to be found in the wallet. Somebody stole my card and made various atm withdrawals totaling up to {$940.00} which includes the overdraft fees and Wells Fargo is telling me my claim is denied as of XX/XX/XXXX. I have no money, and nor do i benefit from making ATM withdrawals when there was little to no money in that account so I dont understand why my claim was denied when the card was not in my possession and the last time i used the card was on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I have called Absolute Recovery Agency for a collection they say I owe from XXXX XXXX I've told them I have no money to pay a debt I don't owe it's not right to do this when I paid them before I left the property They didn't won't to listen they just trying to take free money not owe to XXXX or them The woman who worked at XXXX aXXXX has since left I even talk to the new manager and she said that XXXX has all new people and she don't even know that woman XXXX XXXX This same woman was fired for steal from XXXX XXXX She was messing up alot of tenants credit reports She is a very evil person to hurt my credit this way before she got fired for taking from XXXX She beed to be prosecuted for fraudulent activity I have proof I paid my rent every month on time I even gave her 30 days notice when I moved that she signed I still have all my proof til this day When I left out her office that same day I moved she said everything was fine I left in XXXX I just found out on my credit report this was filed on me a whole year later in XXXX I'm so depressed she is messing up my credit and the collection agency trying to get money out of me to when I told them I have all my proof I owe XXXX nothing I gave her 30 days notice in XX/XX/XXXX Told her I couldn't move until XX/XX/XXXX she said fine just pay XXXX rent just be out XX/XX/XXXX that what I did Please relief this pressure from my life and removed this Agency from my credit Please I need immediately help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have not been able to access my coinbase account since 2018. Followed all instructions multiple times, verified my Id and everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 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:
I reached out to XXXX  and XXXX  several times via certified mail, with proof, that the XXXX XXXX account on my credit report was reporting inaccurate information XXXX last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on Equifax than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. XXXX XXXX refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/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 2021-01-16 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. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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:
I have submitted several disputes via certified mail and online, asking for documentation of what this ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: Financial Management Solutions, LLC
State: NJ

Complaint narrative:
I have submitted several disputes via certified mail and online, asking for documentation of what this ( FMS FINANCIAL SOLUTION ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reached out to XXXX  and Transunion several times via certified mail, with proof, that the XXXX XXXX account on my credit report was reporting inaccurate information XXXX last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on XXXX  than Transuion. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. XXXX XXXX refused.

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 2021-01-16 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I reached out to XXXX  and XXXX  several times via certified mail, with proof, that the Credit Acceptance account on my credit report was reporting inaccurate information ( last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on XXXX  than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. Credit Acceptance refused.

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 2021-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Interest rate charged was 22.99 % which violates Usery lawn in NJ.

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 2021-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation
State: FL

Complaint narrative:
In XXXX of XXXX I received a referral to Academy Mortgage from XXXX for a VA home loan based on my credit profile. I was soon introduced via telephone and email to XXXX XXXX senior loan officer of Academy Mortgage. After explaining some challenges I had and being fully transparent MsXXXX XXXX stated that she could get my family and I into a new home. I repeatedly answered all of her questions and forwarded her all of the documents she requested within the same day of the request. I also would stand on hold for different subcontractors she wanted me to speak with for periods that sometimes exceeded one hour. After going under contract and receiving two letters or approval from XXXX XXXX of Academy Mortgage I was scheduled to close on XXXX XXXX. I received my closing documents on XX/XX/XXXX and signed and returned them the same day. At XXXX the night before my scheduled closing Ms. XXXX said she would need an extension until the " end of the month. '' After some negotiation the seller agreed. On the last day of the month Ms. XXXX informed me that she would not be able to do the deal that I had signed the contracts for after I had paid all of the inspection fees, Academy Mortgage fees, survey fees, termite inspection, septic inspection and appraisal. 
To date none of these funds have been reimbursed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Hello, I am XXXX ears old, control my own finances, have an A+ rating with my banks, and enjoy decent fico scores with XXXX  and XXXX  that reflect my methodic attention to managing debts and credit. 

It came to my attention that Transunion has on my score ( much lower than XXXX  and XXXX  ) a list of pros and cons to justify their rating. I contacted Transunion, first on-line and than through written correspondence. Both efforts failed to have them address the specifics that will be provided here with attachments. 

First : My on-line effort resulted in ( I was not properly informed ) being enrolled in a monthly XXXX XXXX XXXX. I quickly had that reversed. The points of my on-line dispute I filed were not properly addressed by Transunion. Mainly they content I have late payments on a recent account, a bankruptcy, Not enough installment accounts on time, and not enough of a credit history. All four of these items are either false or outdated and should ( according to law ) be removed from consideration. 

I have searched your complaint log and discovered Transunion has a significant number of similar complaints. Over XXXX i also found several recent complaints through a search of reviews, the bulk complaining that Transunion uses an algorithm and not actual humans when responding to on-line disputes.

Second : I drafted a comprehensive letter ( See Attachment ) outlining my concerns and received back a response that stated my letter is " illegible '' and that they could not determine the nature of my request. The letter was sent Certified through USPS. I have the receipt.

It appears that either the Transunion response staff is highly negligent or incompetent or both. It further appears that Transunion, the gate keeper of people 's financial credit scoring, have a vindictive, lazy cultural when it comes to correcting or updating their records. 

If this is happening to me it is surely happening to many others. It is incomprehensible how blatantly this entity that wheels incredible power can be so callus in their dealings. 

Respectfully yours, Concerned Consumer

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