vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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: Social Finance, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I logged into my sofi account and my balance was XXXX XXXX the next day I logged onto my account my balance was XXXX and there is absolutely no trace of a posted payment on to my card yet I am being charged XXXX $ from XXXX yet I can not see this charge in my transaction history and they claim it is still pending. If it was a pending charge it would NOT effect my current balance until it was posted. This credit card company SOFI is refusing to help me and remove the transaction, and also refusing to provide a proof of purchase or anything of that sort to help me. They change their story every 2 minutes and treat their customers like trash. One employee XXXX XXXX, XXXX XXXX XXXX went as far as personally insulting me. " You're a XXXX '' she said, on a recorded line. I then talked to XXXX ( XXXX ) and she did absolutely nothing but waste my time and say that she cant help me. There is no proof of purchase, I can not see the purchase and they will not send me any proof. They are refusing to remove the charge and will not work with me. This will ruin my credit score because of the high utilization on the card, but I believe it was a sofi member who spent my money and that is why they will not give me proof of purchase and they keep running me around in circles. This company is complete fraud and they have stolen from me. Please Avoid SOFI at all costs, it is a terrible bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have written to XXXX, Experian and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. XXXX, Experian and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. XXXX, Experian and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate XXXX, Experian and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.

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 2021-12-31 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a faithful and loyal customer of WellsFargo for seven+ years. I have paid my credit card payments on time and I built my credit up to a credit line of {$11000.00} and a credit score of XXXX! It took several years and focus to achieve this accomplishment. The issues is, my teenage son open an account with WellFargo a few years ago. At that time your representatives insisted I had to sign onto this account with him due to his age. Those representatives also guaranteed to me that as a valued customer, my account will be safe and his account activity would not affect mine!! Otherwise I never wouldve signed my name to his account!! However trusting in this company, I signed my son 's teen acct. Recently his account experienced fraudulent activity. The activity was strictly within his account, nothing from my account whatsoever. However without warning and during the holidays, my credit card was deactivated! I immediately reached out to Wells Fargo, hoping it was an error, and confident it would be rectified easily and quickly. My account was investigated, only for me to be informed because I was on my sons, account due to his fraudulent activity, my credit card was deactivated, and this closure was reported to my credit information, immediately decreasing my score by XXXX points! I am very upset! I am very disappointed! I am livid! I have made 100 % on-time payments to my credit card with this company. My credit line grew due to my loyalty to my years with their bank. My accounts show nothing negative!!! I simply feel as a loyal 7yr customer, my account activity should have been more closely evaluated separately from my son. My son 's fraudulent activity has caused me to be punished on 2 different levels, my $ XXXX credit line is gone, my credit score has dropped drastically, which will affect every area of my life. Wells Fargo has responded in a cold and very uncaring manner. For the 1st time in 7yrs I did not feel like a valued customer.

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 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: VW Credit
State: PA

Complaint narrative:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Volkswagen Group of America , Inc d/b/a/ Audi XXXX. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act and 15 U.S.C.1691 - Equal Credit Opportunity Act by Volkswagen Group of America , Inc d/b/a Audi XXXX on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Volkswagen Group of America , Inc d/b/a Audi XXXX with the adverse action taken against me denying me my rights, in addition according to 15 U.S.C. 1691a as an applicant i applied to the original creditor indirectly by use of my already existing open end credit plan in which i had adverse action taken against me for the use there of, denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) and 15 U.S.C. 1691e ( b ) are up to { {$15000.00} }. Volkswagen Group of America , Inc d/b/a Audi XXXX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On the XXXX and XXXX I submitted three ach deposits to Coinbase ( XXXX and XXXX on XXXX, XXXX on XXXX ). The first one cleared today ( XXXX ), the XXXX which is fair given weekend ach transfers take a day or two. The second one says four more days ( XXXX dollars ) and the final one says tomorrow ( XXXX dollars ). They're clearly holding higher deposit amounts longer for interest accrual on their side because my bank cleared all of them two days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items I have on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
AMOUNT: XXXX

ON XXXX XXXX XXXX, THE FOLLOWING DISPUTE LETTER WAS SENT TO FINANCIAL RECOVERY SERVICES, XXXX XXXX XXXX XXXX MN XXXX, TO DISPUTE THE DEBT AND ASKED TO VALIDATE THE DEBT.  

FINANCIAL RECOVERY SERVICES DID NOT SEND ME ANYTHING TO VALIDATE THE DEBT, AND IT HAS BEEN OVER 30 DAYS.

JULY 19, 2021

FINANCIAL RECOVERY SERVICES
XXXX XXXX XXXX XXXX MN XXXX

RE: VALIDATE THE DEBT.  FRS FILE NUMBER XXXX, XXXX XXXX XXXX

TO FINANCIAL RECOVERY SERVICES,

PLEASE SEND ME THE FOLLOWING IN REGARDS TO FRS FILE NUMBER XXXX, XXXX XXXX XXXX.

1 - IDENTIFY THE ORIGINAL CREDITOR
PLEASE SEND ME THE CONTRACT FROM THE ORIGINAL CREDITOR

2 - ORIGINAL CONTRACT WITH SIGNATURE

3 - CONTRACT BETWEEN ORIGINAL CREDITOR AND COLLECTION AGENCY
ALSO KNOWN AS ASSIGNMENT CONTRACT

4 - PROOF THAT COLLECTION AGENCY IS LICENSED TO COLLECT DEBT IN MY STATE

5 - PROVIDE COMPLETE LINE BY LINE BREAK DOWN ACCOUNTING OF ORIGINAL ACCOUNT
TRANSACTION HISTORY, INVOICE HISTORY

6 - PROOF THAT DEBT OWED IS WITHIN STATUTE OF LIMITATION FOR MY STATE

THANK YOU.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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:
when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it

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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Decreased my credit limits from XXXX to XXXX and XXXX to XXXX without good cause then closed a accout and ran credit report without my knowledge and im not letting synchrony get away with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-12-31 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it

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 2021-12-31 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:
when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
This company is adding payments to a charge off each month and has not disclosed the purpose of the additional amounts or provided statements explaining the amounts. Furthermore, a judge dismissed a warrant in debt in XXXX of 2019 as it was determined this debt does not belong to me. I have disputed the account with the credit bearous several times and it continues to come back verified or updated. This is a violation of fair credit reporting. I have the court documents but can not upload on this page for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I transferred money from Coinbase to GDAX around XXXX for trading, but when I want to withdraw the money they always have excuses to refuse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc.
State: CA

Complaint narrative:
The debt of {$480.00} is due to a partial amount of a vet bill I disputed with XXXX and got credit for it. XXXX a hospital I took my dog twice when he fell severely ill and yet on day 1 XXXX hand me a XXXX bill saying everything is fine, day 3 I go back since my dog had no improvement and hasnt eaten in days. They prescribe appetite stimulant and hand me a {$700.00} bill. I put some on my debt card and some on cc. Months go by and XXXX kept sending emails saying I owe them. Trying to avoid any further aggravation and frustration I send an email offering to settle with a payment plan. XXXX says they no longer how the debt. An agency doesnt and they share tudo contact with me. I called some day on XX/XX/XXXX disputing the charge verbally. XX/XX/XXXX I send them an email letting them k pq I still have not received any documentation and I was heading out of town for XXXXXXXX XXXX for the holidays. As planned I left on the XX/XX/XXXX and had not received anything from them. 

Again I reach out to medvet offering to pay on a payment plan basis and told no they could only take full payment. When I told XXXX and associates that bought a bad debt since I had disputed and won. They told me they didnt buy the debt. They are acting ok XXXX behalf. 

Im so frustrated to have to be dealing with unprofessional people who didnt care for my dog but their pockets. When trying to pay and put this behind i am pushed different directions. 

I disputed this charge because on day 4 of XXXX XXXX XXXX I take him to another clinic. He gets XXXX and on XXXX right away. XXXX only collect money and delay my dogs treatment. Thats shouldnt be in business. 
The discharge papers came a day after. 
They called asking what time my dog ate chocolate. They kept my dog for XXXX hours because whoever was supposed to pass my message fo go ahead and do the exams forgot and didnt occur to them to ring my phone. When I called they have the nerve to say they were waiting for my call. 

I tried to simplify as much I could. 
My apologies.

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 2021-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Due to COVID 19 and loss of my job I fell behind on my mortgage payment. I contact Flagstar immediately and was placed on a repayment plan. Unfortunately, I was unable to complete the repayment plan and I was placed in the loss mitigation process. 
this was due to my father who was ill and ailing parents during the COVID 19. My father subsequently passed away. In XXXX of 2021, called Flagstar to inform them that I was ready to resume my mortgage payment and needed them to place the pass due payments on the back of my mortgage loan. The representative explain to me that I was eligible and proceeded to asked me probing questions to determine what option was best for me. They stated I qualified and within the next few weeks I should receive a packet from them to sign and explaining the new terms along with payment amounts. Since that time I haven't received any paperwork, or phone calls. I have called several times and I have been told that they my loan is still in underwriting. I was told that they are still working on my file and I should receive something in the mail soon. Fast foward to XX/XX/XXXX, I called Flagstar bank and was informed that they did not complete my review and I would have to submit a loss mitigation packet. I did not request or ask for a review for loss mitigation. I would like to resume my mortgage payments. I was advised to not make any payments until my deferment review was completed. They do not want to admit that they have missed their timeline for my review and have failed to communicate with me directly since the process has started. Flagstar wants me to start my timeline all over again, and for what? Why can't they communicate with me in a timely manner and keep me informed of next steps. They asked me to verify my phone number because they had another number on my file. I have had the same number for over 30 years. I have not idea why my phone number was changed. They also told me that my loan was extended out until XXXX, something that I didn't request. If my deferment review was completed within the allotted time frame, why would I need an extension of my deferment review. I asked to speak to a manager and was placed on hold for well over 30 minutes. This has been a continuous issue with Flagstar bank. The representative never came back to the phone.

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 2021-12-31 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: LEXISNEXIS
State: MN

Complaint narrative:
Thank you for your response. But I want to inform you as you already know that XXXX XXXX is a 3rd party vendor. That anyone including myself have access to. per the FCRA in order for a credit reporting agencies as yourself to conduct a reasonable and Maximum accuracy of an investigation you must verify the information with the original furnisher of the debt! When a bankruptcy is filed you must file that with the United state bankruptcy court if you are unable to verify it with the original furnisher the information that you reporting is unverifiable. As far as you reviewing all relevant information provided by the consumer is hideous! How can you verify anything that anyone sends to you with out verifying it? Again I have asked you for specific information regarding the XXXX  XXXX from the US bankruptcy court XXXX but you keep refusing. To send me any information requested you are in violation of the FCRA for failure to conduct a proper investigation! This will include you to make phone calls to the United States District Court speak with people send a letter etc Therefore this public record is not verified. Please remove the public record from the report and send me a updated credit report to reflect the deletion! 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation