vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
The complaint I have is with Comenity Bank, over the last three months I have requested validation on multiple occasions for debts that are listed on all three of my credit reports. I have been asking for validation of the debt, as well as evidence bearing my signature that shows I have a contractual obligation to pay Comenity Bank. I have not received any of the information that I have requested, and the negative tradelines are still listed on my credit report from all three credit reporting bureaus. 

Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to get a loan from XXXX XXXX XXXX for my small business as it was dissolved during the Covid 19 Pandemic. I do not qualify for a loan anywhere else because I am a sole proprietor, my business is very small and I've only been operating for 3 years which unfortunately means for me that I have no returns to show. However, this was my only source of income so I revised my business plan made a few adjustments placed my business online and am now seeking a loan in order to get the assistance I need to operate successfully in the online space. I was asked by XXXX to provide a credit report as they weren't able to generate on from their system. This is primarily due to the fact that I only have both ITIN and EIN tax ID numbers that I was issued to operate my business here in the U.S and not a social security as I'm currently undocumented. However, I have been a resident here for 10 years, the problem when I contacted Experian was that I'd never borrowed a loan. The representative further explained, that because of this issue there was no information from which he could generate a credit report. When I explained this via email to XXXX, I received a response stating that my request was denied. I have been a customer with XXXX bank for over 3 years and visited them today to see if they could help as this is where I complete all my transactions- both business and personal. The representative gave me the website XXXX and advised me that this is where they refer all their clients who request credit reports as we are required by law here to get a free credit report at least once per year. When I logged in here they also asked for a social security and I was denied when I entered my ITIN number. My issue is not exactly a complaint, it's a matter of confusion. I don't understand how to get a credit report and I really need to rebuild my company so I can generate an income to provide for myself and teenage daughter. Again, I do not qualify for a loan elsewhere and was extremely happy when I saw that the services provided by XXXX includes business like mine. If I could get some assistance from here I would really be grateful. I'm searching ... lost.

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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I signed up for direct deposit and they issued me a routing and account number. I received my first direct deposit on XX/XX/2022. I received the second one on XX/XX/2022. The time for the third deposit to hit on XX/XX/2022. Never hit. I checked my other bank account and my funds had been deposited as normal. I wait until later in the day and still no deposit posted to Coinbase. I was given the run around after calling so decided to read the terms and agreement. I found that XXXX handles the heavy lifting and the direct deposits. I called them and entered my information in and they advised that they had records for all three deposits that were posted to the account Coinbase gave me and to contact them. I tried reaching out to Coinbase and no one knew what I was talking about and could help. They then flagged and locked my account as a risk once I started calling and emailing more. I just want my {$660.00} deposited into my account so I can be done with the horrible scam of a company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
on XX/XX/22 I went to the XXXX Ohio branch of Huntington to pay off our loan in the amount of XXXX, they said I could not do that at the branch but I could do it online, so I went home to do it online and it would not let me pay the entire amount it did however allow me to pay XXXX, then I tried to pay the rest XXXX and I thought I was successful, the XXXX did not post until XX/XX/22 the XXXX did not post until XX/XX/22. so I went into our account to check it and it still showed a balance of XXXX, I called Huntington bank and asked to talk to someone in the mortgage dept. I did that she said I would have to wait XXXX days for a payoff quote to come in the mail, she also said we would be paying interest that whole time, because I did not do the payoff correctly? My husband was upset when I got off the phone, he had me call back and ask for a manager/supervisor, so I did, I told the supervisor our dilemma, and he said the same thing the first person said, I have never had to jump through hoops to pay off a no prepayment penalty loan before, It is just not right and we are going to move all 7 of our accounts to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
On multiple occasions this company has taken them out of my account on unauthorized dates. They will tell you in there your agreement that the payments will be processed when your account is most flush. I get paid on the first and on the XXXX. They are repeatedly processing payments on odd days like the XXXX  or the XXXX  or the XXXX  and then attempting to charge me fees because the money is not in the account. I have contacted them on multiple occasions and get nothing but excuses. And now when I try to login theyre asking me to verify my identity again. They have a copy of my passport. And now all of a sudden they want to verify who I am? Theyve already done that. Couldnt get my account number so I gave you my social

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo notified us that they were closing our business checking account due to suspected unauthorized of a single wire. We confirmed with them the wire was not fraudulent with definite proof, and even asked them to reverse the wire /as/ well as sent the customer a check that was cashed with that amount, Wells Fargo also wired the customer back. They locked us out of all accounts ( not only the business account but every single Wells Fargo account we had ). They said the account would be closed on the XXXX of XXXX, and a cashiers check would come soon after. That did not happen, we called again and they said it would be closed on XX/XX/XXXX. That did not happen- they did not send the check. Now when we call they are claiming to hold the money that was in the bank account up to 60 days with no reasoning as to why other than we are investigating. This is our entire business checking account that we use to pay payroll with, it has all of our operating cash, over {$200000.00}. We will go out of business if this continues.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I did pay for all three reporting agencies, but once I reached XXXX I dropped XXXX and Equifax and just kept XXXX. Then XXXX of my accounts closed, and they said it was because of my credit score. So, I opened XXXX and Equifax up and saw that they were reporting my scores as XXXX, Equifax- XXXX XXXX and XXXX. I thought that this was odd because I monitored XXXX at least XXXX times a week, and it never fell below XXXX, and at present it is XXXX. The only reason could be that XXXX and Equifax were changing the XXXX score on their own and not reporting the actual score for XXXX. Then I called XXXX, and they told me that they could do that and that there was nothing wrong in doing it. That meant that Equifax was not checking XXXX either when I ordered my three reports, so they are just as guilty in reporting false scores. Then, when I ask to speak to a superior, XXXX told me that they were not going to change it. This has caused me to lose my XXXX account and my XXXX account, and has dropped my credit score and caused me to be denied for credit cards. This has really damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
My son was on a field trip at XXXX XXXX GA. I received a call that he was shoplifting. He said he wasn't. The schedule was responses for monitoring the children. I was told they were not going to the main exchange and then later found out they were not monitoring them and several students went to the main exchange. I received a letter stating that I owe {$200.00} for the recovery act. I tried to appeal to AAFES and they denied it. I then get a letter that it went from {$200.00} to {$220.00} AND is on my credit report. I only received 1 letter then a collections letter. Never had instructions on how to dispute. I googled it. It took 2 months for a response. My son has never been in trouble before. I was told they recovered everything. Why is there a recovery fee?

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 2022-04-14 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My debit card was charged XXXX times on XX/XX/2022. These XXXX charges were unauthorized by me and was used at a store very far from me. Bank of America issued credit initially. However, it notified me that credit will be reversed after two and a half months. The reason Bank of America gave me is that these charges were authorized by me. It is clear from my debit card use history, these charges were unauthorized. Bank of America is not taking responsibility.

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/XXXX I noticed some activity on my account, and I called Chime and let them know that somethings funny was going on. They brushed me off and told me that I needed to submit my social, license to support. When I went to go do that I saw that the email was sent 30 minutes prior. At that point I realized that my email was hacked into and the person called before me and they were able to send the email. Chimed in close my account and since XX/XX/XXXX have been axing me to send them my license, Social Security, and a picture of me holding some thing that says my name and the dates. I will send that to them every time and every time I send it they come back and tell me that they cant verify and then asked me for the same thing. It has been going on for a month now and the solution has yet to be resolved. They have told me that they sent this to a specialist to review and I sent that over to them XX/XX/XXXX, and yet nothing has been said to me since I sent them those same documents that the specialist asked for on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NC

Complaint narrative:
I sent a letter to XXXX and Trans union regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and XXXX XXXXXXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.

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 2022-04-14 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:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was informed from my credit monitoring service with XXXX that my personal information was listed on the Dark Web. A few weeks later, I was alerted about some new inquiries on my credit report. I reported the incidents to the FTC and created a report to submit to the credit bureaus that reported the information. The unauthorized inquiries are still reporrting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NC

Complaint narrative:
I sent a letter to XXXX and Trans Union regarding account # XXXX comenity bank/vctrssec on XX/XX/2022. They are reporting a late payment on an closed account. According to the FCRA a collection is late by default and therefore can not report a late payment. They just responded with my credit report and did not update 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 non-monetary relief
Consumer complaint received 2022-04-14 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: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
Attempt # 1 : Disputed through Consumer Reporting Agencies Attempt # 2 : On XX/XX/22 I sent a Cease and Desist Letter via US Certified Mail to Consumer Portfolio Services outlining the following requests : Below are some of the violations reported : The illegal acceptance of the down payment amount of {$3000.00} ( 18 USC 1662b ) Fraudulently reporting 20 late payments to credit bureaus ( 15 USC 1681a ) Listing paid by insurance to consumers which is deceiving and falsified information ( 15 USC 1681a ) Privacy Violation in reporting to any and all credit reporting agencies without my written and expressed consent.

Company response to consumer: Closed with explanation