vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: NE

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

The once again reinsertion of the following accounts XXXX XXXX # XXXX, and XXXX/XXXX  # XXXX proves that Equifax did not prevent these accounts from reappearing on my credit report, nor did they verify these accounts with the original creditors as all these accounts have been either settled, paid in full or settled with a secondary debt buyer to whom the original debt was sold to. I have every reason to believe that Equifax used a secondary consumer data agency to verify these accounts months after they were deleted on XX/XX/2021, as they did not conduct a real investigation in regards to the Fair Credit Reporting Act and have subsequently committed the following FCRA violations : 611 ( a ) ( 5 ) ( B ) ( i ) Inability of CRA to furnish proof to the creditor or furnisher that previously deleted item is certified as being incomplete and inaccurate : or the allowing of the information to be reinserted without verifying its accuracy with the furnisher first 611 ( a ) ( 5 ) ( B ) ( ii ) Failure of CRA to provide consumer with certified tracked proof of consumer receiving notice of item reinsertion with 5 day period 611 ( a ) ( 5 ) ( C ). Failure of CRA to maintain reasonable procedures to prevent item reappearance in consumer 's file.

Equifaxs failure to hence remove these two accounts also constitutes to a violation of FCRA : 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation into disputed accounts and delete item from consumers file in accordance with paragraph ( 5 ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information upon investigating items inaccuracy or failure to be verified 611 ( a ) ( 5 ) ( A ) ( ii ) Failure to notify furnisher of disputed information that the information has been deleted from consumers file 611 ( 6 ) ( B ) ( iii ) Failure to provide to consumer a description of the procedure used to determine the accuracy and completeness of the information furnished I am fully prepared to file suit against Equifax for the various FCRA violations listed above ; as I am now owed compensatory damages in regards to 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] I HAVE EXHAUSTED ALL OF MY RESOURCES AND ENERGY TO HAVE THIS ISSUE RESOLVED. Please see the attached documentation on this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
My credit report shows a payment deferred status with on my XXXX XXXX account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX XXXX and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows a payment deferred status with on my XXXX XXXX  account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX XXXX and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I made an online purchase of {$1600.00} on XXXX XXXX website for a XXXXXXXX XXXX on XX/XX/2021. The package was delivered by XXXX on XX/XX/2021. Upon opening the packaging, I realized the item I purchased was not inside. There was only an empty box. I immediately contacted the merchant and they started a claim with XXXX. XXXX picked up the packaging the following day, XX/XX/2021, and provided me with a receipt. I disputed the charge with Navy Federal. Navy Federal later rejects my claim saying the merchant advised I received the product but the supporting documentation that was provided showed the package was delivered to my house but also picked up and returned to sender. Navy Federal would not allow me to provide further documentation to support my claim. The merchant refuses to refund me because they stated I received a chargeback from my card which I did not. They will not reopen the claim with XXXX. I have provided sufficient documentation to the merchant that Navy Federal rejected my claim and I have tried to provide documentation to Navy federal to show that I have complied with XXXX investigation. At this point, I am thoroughly disappointed in Navy Federals one sided investigation. There loyalty should have been to me the member and they should have thoroughly assessed the documents they received from the merchant which shows that the packaging had been returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I contacted Exeter Finance regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC 9-616. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Please refer my previous CFPB complainat " XXXX '' on XX/XX/2021. 
I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each duringXX/XX/2021 ( one on XX/XX/XXXX and another one on XX/XX/2021 - both {$2500.00} ) on after following this promotion all the conditions. But I haven't received {$100.00} for these direct deposit activities. I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates ). Dealing with totally inefficient Citibank customer service is good for nothing. Already talked to them for at least 3 times via chat regarding the same issue. This bank is so large and inefficient that left hand doesn't know what right hand is doing. Customer service is just looking to pass the buck from one team/person to another. 
Citi just want to block the money for dubious promotions plus terms and conditions. Citi will keep on moving the goal post like this. 


Citi stated in their response that : However, if you would like to continue participating in this promotion please complete two additional direct deposits, one in the month of XXXX, and one in XXXX. Thereafter, if the remaining terms and conditions are met the 2 % cash back bonus ( up to {$100.00} ) would be applied to your account ending in XXXX on or before XX/XX/2021. 

Even after meeting that condition I haven't got {$100.00} cash back bonus.

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 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Dear/Sir we had a big issue with this bank XXXX Amegy bank ) and loan  officer XXXX XXXX XXXX XXXX # XXXX ) As the first time home we completed all requirement. Applying, signing a different agreement also we take first time home buyer education and paid for appraisal. let me make it the story. i was apply XX/XX/2015 then we did everything.after that we are waiting more than 100 days until XXXX XXXX to closing date ) until this day the loan officer told us we're good everything is going to smoothly. Finally at the closing date he just said " we can't closed today '' After 100 days he start the process he was hold the document and killed my time and wasting my time. He just start pull my credit, checking my tax return. They messed up our life because we're expecting moving out on XX/XX/XXXX to the new house. Already i gave notice for our apartment and we packed all staff also we made the big mistake we didn't register for our kids XXXX year school. Without reason they let us down in last minute. We're so badly disappointed.

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 2021-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been getting creditors calling my cell phone for someone I have never met. After researching his name and my phone number, I found several websites posting it as his contact number. I called one such site, who informed me the source was Experians records. Apparently one or more of his creditors has my cell number listed as being his. I am willing to believe this is a typo or mixed file, as opposed to deliberate fraud, but it still needs to be corrected. 

I wrote a letter to Experian, explaining the inaccuracy in their records, and asking that they remove any occurrences of my phone number on this strangers credit report. The letter I received in reply did not address my issue properly, as it 1 ) stated that number is not on my credit report, and 2 ) instructed me to contact the creditor directly. The problems with their reply are 1 ) the error is not on my credit report, but this other persons report, and 2 ) since I can not view the full credit report of a stranger, I have no way of knowing the creditors identity. XXXX Report # XXXX, dated XX/XX/21. ) I tried calling to address this, but was flatly informed that they could not alter another persons credit report. I asked her to transfer me to someone who could correct their faulty records, and she insisted no one could help me with this. I demanded a supervisor, and she took my info. to have one call me back. That was 10 hours ago, still waiting on their call. 

I am not asking to see this persons credit report, nor am I asking the name of their creditor. I am simply asking someone at Experian open that file and remove my personal information from this other persons report. Complete strangers are calling my cell phone, looking for this other person, solely because Experian has this inaccuracy in their records, and this company seems content to leave the error in place, even after being informed of the error. For the record, I called them from the phone number in question, so it is definitely mine, not his.

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 2021-08-11 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: CA

Complaint narrative:
I demand that the inquiries is removed from my report. I did not authorise this inquiries. I have not heard anything from the credit bureaus about these inquiries. I demand that it is removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Around XX/XX/2021, my Coinbase/Coinbase Pro account was restricted from buying and selling any digital currencies that I was holding ( XXXX, ETH ). I was holding on roughly $ XXXX {$7000.00} in value prior to the decline in price so was trying to sell however Coinbase restricted any attempt. Even worse, I had USD in my account that I attempted to transfer out after they restricted my account. Any attempt to transfer out my own USD resulted in a canceled transaction. The only USD transfer they allowed was moving from Coinbase Pro to Coinbase but my funds are still locked in Coinbase. 

I submitted my first ticket XX/XX/2021 and submitted tickets every two weeks with no response. I reached out to @ coinbase_support on XXXX and actually received a reply on XX/XX/XXXX. However, there was no update since. It is currently XX/XX/XXXX and my BTC/ETH/USD are still locked up in my account. I need it unlocked so I can access my own funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd

Complaint narrative:
Subject : Very disappointing and Unfair Transection this time I am a regular monthly client of Wise I been using this Apps 4 months previous 3 months was good but now this month Wise show and deduct from me more than sanded to me. 
Here are the details with payments documents : I have sanded XXXX ) XXXX USD = XXXX XXXX XXXX I should get this amount ) which clearly show on transection but I received this XXXX XXXX XXXX less than I should receive ) 2 ) Service fee Wise show on transection : XXXX USD I should pay this amount but they deduct double = XXXX USD This is totally cheating and unfair Membership Number : XXXX Transaction Number # XXXX I am expecting a clear solution from Wise soon Thank you very much XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 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: CA

Complaint narrative:
I demand that the inquiries is removed from my report. I did not authorise this inquiries. I have not heard anything from the credit bureaus about these inquiries. I demand that it is removed from my credit report.

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 2021-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hello, I contacted HYUNDAI CAPITAL AMERICA regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC XXXX. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information. 

Thank You

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, my credit card was charged for a sum of {$220.00} from XXXX. After seeing this charge, this was the first time anyone with legitimate access to the credit card XXXX my wife and me ) had ever seen this website. 

I filed a claim in XXXX, and received a confirmation email that an investigation was starting for this charge. I received a new credit card and disposed of my old credit card. 

On XX/XX/XXXX, I received another notification from Chase stating that the case has been closed because I " received benefit from the transaction ''. 

I have not received any sort of benefit from the transaction. I did NOT make a purchase through this website. I had never even seen the website. I did NOT receive any items from this site. I certainly did NOT benefit from this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was suddenly unable to access my funds due to my account being reset. I had previously asked Binance to do this a few months ( XXXX wnd ) ago due to basic verification ( which I had at the time ) not supporting withdrawls. This normally wouldn't have been a problem, but unfortunatly they decided to resolve the issue while I was trading. This means that my funds were locked now in a different currency for a different amount of time intended. ( high price volitility made this much worse ). I shrugged this off thinking I just needed to resubmit my verification and that it would be done within a gew days ( Like it had prior ). A few days later ( XX/XX/XXXX ) I submitted a ticket due to concerns I had about the second verification. Mainly the fact that the first few times I tried submitting it, the request failed to go through. This made me think that perhaps something went wrong again, but it appeared as if it went through anyways. Fast forward two months later, I still hav n't gotten a response ( aside from one that was automatically generated ) nor has my verification / ticket been reviewed. Any new tickets get merged with the old one, which has the priority as unlisted, so any attempt to resolve this basically gets pushed aside. By far the worst customer experience I have encountered. I just need access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTEGRITY CREDIT CORPORATION
State: CA

Complaint narrative:
I did buy a home and get the loan, but the brokers do for me the process, they treat me very bad, I live in XXXX  XXXX XXXX, and buy the second home in XXXX XXXX, a second home and investment, the process is supposed take around 3 weeks or 4 to closing the buy, the make me do two time extensions and the second one I should pay because they do many mistakes with the application, actually they make me go to XXXX first time to make the closing house and when I was there they told me all papers not ready yet and I just back to XXXX  with not closing and for nothing, after two weeks they told me everything is ready this time and I went to XXXX for second time, And when I was there again told me some papers not yet that they do a mistake and again back to XXXX  with not closing, we do closing from XXXX  with a notary, but Im still very upset for everything they do for me, all I should pay and they didnt care anything from me, even I was trying be educated they didnt, make me had a lot stress for almost two months and make me waisted money and time. Hope you can help me to make this people dont do this again to anyone, they never treat me like a customer even they make money from me. Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid XXXX I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information. 
I need help because they are ruining my credit history with this wrong reporting of my payment history. 

Thank you.

Company response to consumer: Closed with non-monetary relief