vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
someone opened an account with Amazon and then opened a Chase credit card. The account went delinquent and we did not receive collections letters until the point of it being sent to an attorney office. 

I do not have an account with Chase for Credit Card or an Amazon Account. I have tried to make contact several times. and now they have referred this to an attorney. 


My request for information have not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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:
I have been disputing an inaccurate late payment with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 and again on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. I still have absolutely nothing from any of the bureaus ; No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: GA

Complaint narrative:
I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to XX/XX/XXXX, equifax, and XX/XX/XXXX. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent a payoff request for XX/XX/XXXX via the loan company 's website which was acknowledged and forwarded to the proper department. XX/XX/XXXX, I sent an email seeking a response to my original email. XX/XX/XXXX, I filed a complaint with the XXXX. XX/XX/XXXX, I received a response to the XXXX complaint from the loan company stating they are required to respond to all complaints but that it was an unofficial response. XX/XX/XXXX, I emailed the president of the loan company seeking resolution. 

This company is also notorious for not processing payments in a timely manner. The most recent example- I mailed my XXXX payment on XX/XX/XXXX and the payment finally posted to my account 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 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
This is the first occurrence of this issue. It is a urgent issue. XXXX I received a new coinbase account and then waited for my self to be authorized and I was 5 days later. Later on I am back to being on review XXXX. Case # XXXX. I got my account locked because I had no choice but to call coinbase. I have an amount of money which is increasing because of a positive growth and I have not been able to do what I wish with my own money. I tried to email many times and never did it fix the issues. Once I was aware of the fact that coinbase is not a trusted company and they have been doing this to many longtime customers then I would like to get my money while Im still in profit and get out! When I sent a long email addressing the issue for the 5th time I said I would contact CFPB and they responded the next day and unlocked my account but did not confirm it is my account. I sent in my drivers license, passport, health card and my face. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, made payment at ATM on Bank of America, XXXX XXXX, WA. Did not receive a receipt or copy of check and payment as usual. The machine also would not give check back..contacted the bank and they stated there was nothing they could do and advised us to contact Visa. After being on hold and never able to speak with a live person, we were finally given a number to call to resolve the issue. 
We did talk to a live person and the person said they would take care of it and to look for a letter in 7 to 10 days. In the interim, Visa declined our payment to other creditors because of lack of payment, NO notice was given that our account was suspended during their investigation ( keep in mind the Visa had our check somewhere in their cyber land }. 

We made a payment from our debit card and our account was unfrozen. It is now XX/XX/XXXX and the check has not cleared our bank, which begs the question, where is it? 

All in all, we are not happy with Visa. They neglected to tell us our account would be frozen until the matter was resolved. This is unreasonable after being a customer for 35 years, always paying the card off in full every month. 

If the check magically appears, we will have made two payments in the month of XXXX. 

I think the local branch should be able to open the ATM and retrieve the check. The company should make an honest effort to employ live people and not leave people on hold after speaking to a robot.

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
This company CAPITAL ACCOUNTS have send letters to my house informing that i have to pay a debt that I do not recognize, information as follows : Account NumberXXXX, Account TypeCollection, Responsibility Individual, Date Opened XX/XX/XXXX, StatusCollection account. {$750.00} past due as of XX/XX/XXXX. 

I called them and informed that I have never visited the MD they are saying, I provided my SSN and my Date of Birth and they told me that effectively I'm not the person they are looking for. However they insist on keep the negative record on my credit report. I disputed 3 times this account for the same reason thru XXXX  but they ( the collector ) don't want to remove the collection from my credit ( remains in every single dispute ) which is hurting my credit record. 

I need this company remove this collection from my record since I'm not the debtor neither my SSN nor my DOB coincide with the real debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
EXPERIAN, I have disputed this information from XXXX several times in letter format to you giving you permission to investigate this matter that I have been trying to get resolved. It is not my problem they are unable to provide you information other than a bill. Maybe that is because they are in violation of my HIPPA rights. I have disputed them for years in regard to the lack of information they are willing to provide and you, and you as well have not verified the debt other than contacting them and asking them if it belongs to 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 explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
XXXX XXXX I received a delinquent property tax notice indicating that my mortgage lender had failed to pay it through my escrow that was already established with them. It was a time sensitive issue so I paid the property taxes myself ( in the amount of {$360.00} ) and contacted the mortgage lender in order to have the funds reimbursed to me. I contacted them to explain the situation and have them remedy it but the rude customer service explained to me that it would take at minimum 14 days in order for someone to even talk to me regarding this issue which is a rather lengthy timeline and indicates that the company does not act in good faith towards resolving customer issues. After not having been contacted in that timeframe, I sent an email on XX/XX/XXXX directly to the lender explaining the issue and I received a canned response that they would forward the email and someone would get back to me shortly. No one has gotten back to me about reimbursing me my costs for their negligence and resolving the issue so that it does not happen again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
After reviewing and trying to have items removed from my credit file I have come to a dead end with the companies as well as the credit reporting agencies. I really need the inquires, a chapter XXXX that I have no idea of and accounts that were open that i wasn't aware of. I have been going through this for years and this is stopping me from living a better life for me and my children. Some things have been removed due to the fraud, but there are still items that i need removed. The jobs I'm applying for are having credit checks for employment and items on my file are really hurting me. I didn't know where to turn to so I'm here.

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 2021-02-09 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: CITIBANK, N.A.
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-09 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-XXXX  VISA Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have already filed a complaint with Bank of America many times and Im looking for more help. I live in CA, I had my boa edd account drained of {$680.00} when I received my last edd deposit. Bank Of America closed my account and did not reimburse me for the money that was stolen even when they have XXXX liability. This fraud was to no fault of my own. I am a single 6 months pregnant woman on my own out of a job due to covid and I am getting no further information to my claim. Every time I call the bank or EDD they blame eachother. Bank of America says they sre waiting for EDD to send verification and EDD says theee is nothing wrong with my account. I have money in my Bank of America account and I am not able to access my account and EDD is still putting money into the account. I have been without money from this situation for over a month now.

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 monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I monitor my credit between 2 companies. One is XXXX and the other is XXXX XXXX. I got an alert on my credit about a judgement from Credit Control. My insurance normally pays all my insurance bills. In the process, I went to the courts in my area to see did I receive a summons or judgement against me. None of the courts in my area have any judgements against at ALL. So I'm wondering how I could have a judgement placed against me without my knowledge or a chance to fight it or pay it. I don't want any judgements on my credit. I want this deleted or I will contact an attorney and sue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In mid XXXX, through the XXXX XXXX app, I received a preapproved promotional 0 % for 18 months balance transfer offer from citi double cash. During the online application process the application closed before I got to the transfer page, but I got an email approving my application. The card arrived last week. I called yesterday and again today to transfer the balance of my higher interest chase slate card. Yesterday, I waited on hold for 20 minutes. Today, the operator told me that I was ineligible for the balance transfer promotional. I asked to speak to a supervisor and waited on hold for 15 minutes with no answer.

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 2021-02-09 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2021-02-09 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:
I have been disputing an inaccurate late payment with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 and again on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. I still have absolutely nothing from any of the bureaus ; No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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:
This is my third attempt to resolve this issue through the CFPB. 
Equifax does not keep accurate records of my credit report. I shows different lenders different reports. One report from XXXX shows most of my active accounts ( 8 ). I pulled my current report from equifax website which does not show 6 of my currently active accounts and reflects a score of XXXX. When applying for credit in some instances my score ranges from 500 to 650 from equifax due to incorrect information. Im not sure why accounts sometimes disappear then reappear at a later time. I'm attaching two recent reports from equifax to show the discrepency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
Hello, Im trying to close my first progress and they said they wont refund the annual fee. Because Im closing it and wont be using it, they should refund my annual fees as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2.  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX-XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX lll ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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