vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: AL

Complaint narrative:
I lost my wallet and my information was also released in multiple breaches. I also was a victim of the Equifax Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So Equifax is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against Equifax. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with XXXX and XXXX. With XXXX acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
DEAR SANTANDER CONSUMER USA & ALL CRA 'S ; I've attempted several times to ratify the issue with the Santander consumer usa and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
THIS COMPLAINT IS AGAINST BSI FINANCIAL My loan was transferred form Round point Mortgage to BSI Financial on XX/XX/2021. When the loan transferred it had already been modified. I signed the modification documents in XXXX and it was the partial claim was recorded on XX/XX/2021. All the payments I have been making are not going to the correct months and it is still showing I am past due for 280 days. I have made several attempts to resolve this with BSI and they will never put my single point of contact on the phone. I call at least three times a week and never get a response. Customer serive always tells me that the modification is pending and my point of contact is not available. At first BSI claimed they were missing the recorded document, so I sent it to them. Now they are saying the FHA is not approving the loan and I only know that information from customer service. My loan has been with the going on 6 months and I can not refinance or take advantage of the lower rates on the market because they are reporting that I am not current on my payments. It is impossible to communicate with the people in this company and receive answers. I have called and emailed all supervisors with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have received a letter from CapitalOne saying I am pre-approved for the quicksilver credit card. My credit score is stellar, I have never had a missed payment, credit card utilization is 3 percent, 3 car loans are paid, all is sweet. the score is about XXXX. 

I applied and got denied. I called them and they sent me a letter saying " two many revolving accounts '' and this is not true. I had many accounts before covid, but when Covid started I closed several credit cards, paid all in full. I was scared that we might get into a bigger trouble with the pandemic. 

I decided to stay just with 2 credit cards instead of 10 I used to have, but Capital-one red-flags me on this basis. So, they received my credit score via soft pull, included me into the targeted list, sent me an offer, I accepted, they got the same credit score via hard pull, and they denied me. 

this is a rip off. Had I had any troubles on my file I would be able to understand the attitude, but since nothing has changed on my score for years, I can't tolerate it. 

last but not least - 2 years ago I filed a complaint about capital-one via this agency about the business credit card, they called me and apologized after the investigation. I think they included me to the list of " trouble-makers '' and do not want to have me as a customer. 

Why they sent me a " pre-approved '' letter in this case is they mystery for me. 

once again I want to accentuate - nothing has changed on my score. It has always been in the stellar range, they just do not want to give me a card. It is unfair. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have a Coinbase account since XX/XX/2020 and have been able to operate normally. For the last months I've been trying to withdraw my account balance ( 1037 GRT, rougthly around XXXX, much less than when I initially tried to withdraw ) but I get the message that my account is in veryfication status and that I should check again in two days. 

The problem is that it has been in this status for almost 2 months and I am still unable to withdraw my account balance. 

I have really tried to contact coinbase support, but its customer support is really poor and I have only been able to recieve automated responses. I have not been able to talk with any actual customer support specialist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15 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: FL

Complaint narrative:
Hello, Please I want to be supported as I do not know what to do anymore .... I figured out accounts that are not mine. Is kind of Identity theft or I do not know how to explain them. I do not know these accounts ...., Please help me to figure our why I have them in my profile and if you can check my profile and investigate my situation. I would like them to be removed.

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 2021-07-15 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: FL

Complaint narrative:
Hello, Please I want to be supported as I do not know what to do anymore .... I figured out accounts that are not mine. Is kind of Identity theft or I do not know how to explain them. I do not know these accounts ...., Please help me to figure our why I have them in my profile and if you can check my profile and investigate my situation. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: World Acceptance Corporation
State: AL

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Io, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I sent a letter to Receivable Management Systems requesting validation of a debt on my XXXX XXXX and XXXX Credit file. I received a response of a Billing Statement from 2015. Receivable Management Systems is reporting OUTDATED information on my Credit Report. The Statute of Limitation in the state of Maryland to Report debt is 3 years and they are continuing to report OUTDATED information to the bureaus and continue to violate the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
DEAR XXXX XXXX XXXX & ALL CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.

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 2021-07-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
DEAR XXXX XXXX XXXX XXXX XXXX CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I AM A VICTIM OF IDENTITY. AND I WOULD LIKE FOR EXPERIAN TO ADDRESS THIS COMPLAINT

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Date : XX/XX/2021 Subject : American Express Platinum Card Promotion CASE ID : XXXX Contact Time : Over 3+ hours via telephone and chat Proof of Fraudulent Promotion : XXXX : XXXX XXXX Applying fore Amex Platinum Card via promotional link on their website : XXXX XXXX XXXX XXXX  This is a fraudulent advertisement by AMEX to coerce new applicants XXXX open a line of credit and receive above the customary new account rewards points ( XXXX instead of XXXX ). 

Once the link to apply is clicked and are approved, the line of credit is opened in your name, a card sent to your address and no prompt for rewards are issued. 

This requires an individual to call AMEX to address your reward point amount. 
At this point they will notify you that you are awarded the customary XXXX rewards that has always been in place for this card. There is no XXXX bonus points. Its a complete gimmick to get you to open a line of credit in your name in hope you will inevitably end up using the card. 

Additionally, you are worse off if trying to cancel. You will have to incur the inital hard credit check and additional hit if you decide to close the line. 

Moreover, if you decide to inquire the process is as follows : - you must activate the card and start spending toward the XXXX in 6 months minimum spend for the promotional offer immediately. 
- During a period of 6-7 weeks ( will continuing to spend ) an AMEX team will review the promotional offer and issue you formal approval via mail if you are approved. 
- None of this is presented in the promotional print nor is there follow through by AMEX. 

This is a serious scam that should be addressed immediately and made known more publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: WI

Complaint narrative:
In XXXX, I reached out to CoreLogic CredCo to get a copy of the consumer report they had on me. Upon receiving the report, I immediately wrote back asking them to delete information that was inaccurate, against HIPPA regulations and not properly verified as mine. I asked for an updated copy of their report once the appropriate changes were made. This letter was dated XX/XX/2021 citing Dispute Entry # XXXX. 

On XX/XX/2021 I received a letter with an attached report, ticket # XXXX. Nothing was changed. There are still accounts listed that are in violation of HIPPA, accounts that violates 15 U.S. Code 1681c as well as 15 U.S. Code 1681 ( 7 ). Furthermore, they're citing their source as XXXX and yet XXXX is a CRA that does not have the items listed that I've disputed. Furthermore, to have such items listed violates the FCRA as they're refusing to comply with requests to delete when they clearly haven't verified the information to cite XXXX 
I've subsequently filed an FTC report XXXX # XXXX XXXX for fraudulently reporting errors regarding my consumer report and they're blatant failure to comply with the law.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called to see why my balance was XXXX when balance was paid in full and they state that closed my account on XX/XX/XXXX because of credit so why was I approved in XXXX for credit card and then they close it now my credit score has went down because of this. 
Very unfair I had a balance of XXXX which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
This is the last negative on my credit report after winning a court case against XXXX XXXX bank who's Bi-lingual tellers were running a frauduent ring of crime from car stereos to even mortgages. I have contacted them multiple times. They moved from XXXX and sold it to another out fit called " XXXX XXXX XXXX XXXX XXXX '' and then it finally ended up with Security Credit Services. After doing my homework i quickly realized that all three business are using the same answering machine service with the same message that states they are too busy assisting other customers and to please leave a message. I left 10 messages and was never contacted then I sent a threatening email to them and they responded giving me the same phone numbers I had already been calling in a constant phone loop, They then told me they couldn't handle my case and then i said you need to remove it from my report and they said they had no way to anymore ( and I was even willing to pay it i'm trying to buy a house ). So they are running a complete racket and you will not be able to get a hole of anyone and if you sign up on their website you will be able to see your old debt but you can take no action because its been sold to security credit services who is NOWHERE TO BE FOUND OR CONTACTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was closing on my house, ( selling ), and called my bank, Bank of America, for the wiring information to provide to my attorney. They gave me the info and had the attorney wired the proceeds, ( via XXXX XXXX XXXX ), where they told me on XX/XX/21. As I did not see the wire hit my savings I called on numerous occasions and was told it was in a general ledger business account, then told it was not there. Got a different answer every time I contacted them. I had my attorneys bank put a recall on the transaction on XX/XX/21 and just spoke with my bank and they said they never received a recall. I have wire transaction numbers and am getting nowhere with the bank. Even spoke with a supervisor who just pawned me off to someone else. Its quite a bit of money for a retired person and I need whats rightfully mine.

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