vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hi! My name is XXXX XXXX! I am a naturalized US citizen. 
It is an unusual situation.I/we were able to get the loan but the process was very discriminative.On XX/XX/XXXX we ( my wife and me ) bought a car with a joined car loan from XXXX  XXXX  XXXX XXXXThe process were smooth.The dealership informed us our loan company going to be BB & T XXXX 
On XX/XX/XXXX more than then 3 weeks later the dealership called me saying I need to provide my green card bc we are not going to get our car loan.We were was shocked.Anyways I told the dealership I dont have a green card any more because I AM A US CITIZEN since XXXX XXXXWhich also proved by my NC Drivers license which has a star in it! They had copies of it! They said than I have to provide additional evidence of my citizenship! 
Of course I felt awkward and upset because the dealership and the bank didnt give me a straight answer why they need more evidence! I felt I getting discriminated and profiled bc my name.It never happened before! My wife who is a US born citizen did not have to provide any additional evidence of status.It is clearly profiling. 
However eventually I did provide the copy of my passport.Far as I know we will get the loan. 
However my complaint is : -If the loan company requires evidence of citizenship they need to do it in the moment of the car purchase.Not almost a month later. 
-As a US citizen I have a constitutional right to not get questioned, harassed or blackmailed about my status for any purpose.Outside of DHS or other Federal Agencies. 
-After I got my citizenship I did register the change with Social Security Services so it should be in the credit or personal records. 
If the bank wants to research my status than they can do it if they really want it! Its not right to blackmail the customer! 
-It is a such a sensitive subject bc I worked hard and did it the right way to become a citizen and get accepted! Also did it with a goal to not be harassed or blackmailed about my status anymore! 
Sincerely : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: GA

Complaint narrative:
Equifax refuses to delete an item that has been on my credit for 7 years. XXXX  and XXXX  has already removed this item. I have tried since XX/XX/2021 and I have been hung up on, on hold for long periods of time. They have people that are not knowledgeable of the law and don't have any customers service. As of today XX/XX/2021 I have been on hold for at least 44 minutes as the rep say he's looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CO

Complaint narrative:
My last lease with BMW Finance has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the 30th day ) and BMW Finance said that they understood the issue and would remove it from my credit. They didn't ... 

My family has purchased or leased 6 vehicles through BMW finance in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result. 

Not exactly good customer service given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
XX/XX/2021 Sent in a letter for validation to FBCS and the Information was never validated. Date of last activity and the date of last payment is wrong and is reporting differently on all 3 credit bureau. I have tried to dispute mistakes and the credit reporting agency is not correcting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with Transunion, XXXX  and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, XXXX  and Equifax that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, Experian and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.

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 2021-03-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I talk to some XXXX today at XXXX pm from the fraud department the lady name was XXXX XXXX XXXX I was trying to dispute some fraudulent Inquiries I let XXXX XXXX XXXX know my Inquiries I did not authorize and I let him know I did a FTC But XXXX did not help me at all or try to remove or investigate the Inquiries. He was not helpful at all and have bad Customer Service My problem was not resolved. Here are the Inquiries need to be remove Inquiry details XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX 2020

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. 
XXXX XXXX in XXXX of XXXX or XXXX I believe marked me deceased. I tried to pay my bill online it said closed. I called to pay and they wouldnt let me pay. They said they didnt know why I couldnt pay. This went on for a month. Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. They made no effort to fix it or give me suggestions on how to fix it. Finally after numerous calls and wasted time someone told me they marked me XXXX. I told them obviously this was untrue. They had no idea why I was marked as deceased. I asked her to fix it they told me they didnt know. They told me they had no idea why or how it happened or how to fix it. I watched my credit report get frozen from all bureaus. My credit report showed me is XXXX  for a period of time. I am a XXXX veteran and seeing myself marked as XXXX  was very traumatic. We feared my XXXX and mortgage would be frozen due to my social being marked as deceased. Everything I researched said I was XXXX. Eventually XXXX XXXX with no warning and no apology decided I was alive again. They sent my cards back, reopened the account. Before the account was marked deceased it had a balance of around {$800.00} and was current. When they reopened it, they added on interest, fees, and missed payments. NEW BALANCE SHOWS AS {$1600.00} with our entire balance from before as past due. They refused to remove these fees, interest, and past due payments unless we PAID a past due of {$600.00}. This was only past due and accumulated because of their error. I tried multiple supervisors. Most couldnt comprehend the situation or even tell me why. I am unable to purchase a home now as a result. Ive experienced an extreme amount of distress over this. I had to take off of work when it happened because they reported me XXXX. This is the worst display I have ever seen by a credit agency. I could have lost my current home, my VA XXXX that pays for my home, and had my bank accounts frozen. My other credit cards were frozen. My credit score is ruined. I can not buy a new home now as a result of their actions and neglect.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. 
XXXX XXXX in XXXX of XXXX or XXXX I believe marked me deceased. I tried to pay my bill online it said closed. I called to pay and they wouldnt let me pay. They said they didnt know why I couldnt pay. This went on for a month. Let me state this I am a XXXX combat veteran who was marked XXXX  by XXXX XXXX. They made no effort to fix it or give me suggestions on how to fix it. Finally after numerous calls and wasted time someone told me they marked me XXXX. I told them obviously this was untrue. They had no idea why I was marked as deceased. I asked her to fix it they told me they didnt know. They told me they had no idea why or how it happened or how to fix it. I watched my credit report get frozen from all bureaus. My credit report showed me is XXXX  for a period of time. I am a XXXX veteran and seeing myself marked as XXXX  was very traumatic. We feared my XXXX and mortgage would be frozen due to my social being marked as deceased. Everything I researched said I was XXXX. Eventually XXXX XXXX with no warning and no apology decided I was alive again. They sent my cards back, reopened the account. Before the account was marked deceased it had a balance of around {$800.00} and was current. When they reopened it, they added on interest, fees, and missed payments. NEW BALANCE SHOWS AS {$1600.00} with our entire balance from before as past due. They refused to remove these fees, interest, and past due payments unless we PAID a past due of {$600.00}. This was only past due and accumulated because of their error. I tried multiple supervisors. Most couldnt comprehend the situation or even tell me why. I am unable to purchase a home now as a result. Ive experienced an extreme amount of distress over this. I had to take off of work when it happened because they reported me XXXX. This is the worst display I have ever seen by a credit agency. I could have lost my current home, my VA XXXX that pays for my home, and had my bank accounts frozen. My other credit cards were frozen. My credit score is ruined. I can not buy a new home now as a result of their actions and neglect.

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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Evergreen Recovery Solutions, LLC
State: TX

Complaint narrative:
When the original debt occured in XX/XX/XXXX, I closed an account with XXXX in which the balance was in dispute. I hadn't had full cell service in three months and kept calling to have the problem fixed. We lost out on a rental that we were trying to get because I didn't receive the call or the message till almost 5 days later. After I closed the account in XX/XX/XXXX ( only owed one month at that time ), as far as I knew the balance was in dispute with XXXX and would be taken care of since I wasn't able to access service on four phones. 

I received a bill in the mail the first week of XX/XX/XXXX. I called the collection agency and explained that the original debt is 5 years old and too old to be collected upon. They said they would list my account as too old to collect and remove from my credit. As of XX/XX/XXXX, they were not listed on my credit report per XXXX XXXX. We applied for a mortgage on XX/XX/XXXX and the collection agency shows up on my credit with an open date of XXXX. I called XXXX, the original debtor to try to resolve the problem and they said that I would need to work with the collection agency. I disputed the account with the Credit Bureaus and lost the dispute. The credit bureaus stated that this account is valid and will remain on the credit report. This account was posted on my credit after a police report was filed for identity theft. The police report number is XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/21 XXXX XXXX XXXX {$340.00} {$360.00} I was charged originally for my original tab, the workers claimed I didn't pay for my tab and called security and then threaten to call police if I did not pay for a " second '' tab, I was forced to pay or threaten with jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This morning when I called Ally Bank I got nothing but grief.I answered all there questions correctly.Because I never had them ask me certain question in all the years I have banked with them I asked them why.I told XXXX I have never been asked these certain questions before.All question were answer correctly and I provided additional information including the amount in each account date ofmature .This was a trust account to which I am the trustee.I told her i was the trustee and i have right to make changes.She also refused to provide me with a supervisor.All I wanted to do was close one cd, put the money in the 2nd cd and renew it for 15 months. She illegal froze my account.Now even after calling again and again answering the questions again not once but 2 twice, The second girl XXXX would not help me.I answer all the same questions and asked if these new question were something new.There were not, gave her all the same answers than demanded a supervisor because again I was not getting anywhere. she told me she had to ask more question I demanded a supervisor .I was tired of answering the same questions over and over again each time I was given another person.I finally was given XXXX and again the same thing.Unfortunately, my son took my phone to his day program in mistake, of all days, he pretty good about not picking up the wrong phone but it did happen.Got no where with XXXX and demand his supervisor, yes i was outspoken to say the least.I told them the same thing over again, I called this morning wanting to close one cd transfer money to another cd and renew at 15 month.Now they are refusing to unlock the account, refusing to give me the money. I am the trustee of the accounts.They would not even send me a code on my email account.what if you didn't have a cell phone.I was calling them on my landline. I just want them to unlock my account as all the answers I provide were correct, including if they saw the notes I called a few days earlier about the 15 month cd.I told them that I was filing this complainant and they didn't seem to care.I did slam them on XXXX which I mostly should not have .They have a copy of my son Trust and a copy of my guardianship papers on file for this. i can not get my account numbers as everything is done on line and they locked me out so I could not provide the terms of the cd only the mature date which was a question I could not answer.Since this will not be answered and solved, I want them to waive the fee it will take to close the cd because it will be past the ten grace period.

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 2021-03-24 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: CL Holdings LLC
State: SD

Complaint narrative:
Settelment payment was agreed upon by both parties and paid by XXXX XXXX. XXXX XXXX has since refused to remove from credit and still shows a balance owed, causing derogatory remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I opened up a Gemini account on XX/XX/XXXX providing the required documentation such as the Drivers License and verifying my bank account. I was subsequently able to transfer {$1000.00} from my bank account into the Gemini account, which then was traded for XXXX. XXXX was sold subsequently at a loss for {$930.00}. Since then I have tried to withdraw my money from the Gemini account and have been unsuccessful. I was able to transfer money but now they will not let me with withdraw to the same bank account. 

This has now been un-going for one month - Gemini support will not respond to me, and my account continues to be in the " getting verified stage ''. I want access to my money and for it to be returned to my bank account. 

Gemini - Opening date XX/XX/XXXX XX/XX/XXXX - E-mail confirmed, Bank account verified stating funds can be transferred into the Gemini account. 

XX/XX/XXXX - {$500.00} transferred from Checking to Gemini XX/XX/XXXX - XXXX  purchase for {$500.00} XX/XX/XXXX - {$500.00} transferred from Checking to XXXX XXXX Second XXXX purchase for {$500.00} Message stating bank transfer limit has been reset to be able to deposit up {$5000.00} XXXX - XXXX sold for {$930.00} - deposited into Gemini account XXXX to XX/XX/XXXX Attempt to withdrawl {$930.00} to bank account unsuccessful - states " verifying account '' XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE They did respond to a XXXX message, but the XXXX account is not associated to my account and the e-mail address used. In this response they only stated that I should send a message from the e-mail associated with the account - which I did and they did NOT respond. 

I want access to my funds, for them to be returned to my bank account, and the Gemini account closed from there

Company response to consumer: Closed with explanation