vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data  breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-02-02 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

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 2021-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Hi, I hope all is well. 

I have one account with Nelnet that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', then reports as " 120 days late '' the following month before reporting as current again durning the following 4th mont ( Current - 90 Days Late - 120 Days Late - Current ). This has happend on three separate occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I log into my account, the latest account information dates back to XXXX XXXX XXXX ( Attached ). When I call to get information that dates back further, I am told that it is not available, which makes it impossible for THEM to furnish this inoformation to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

LASTLY, this ONE account reports as 15 different accounts. Which means I now have 75+ negative incorrect reports from a Nelnet which can not provide information/proof explaining how I can I can go from " current '' to " 90 Days Late '' from one month to the other. 

Any help or clarity given would be really appreciated. 

All the best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

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 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: NY

Complaint narrative:
Around XX/XX/21 my adult daughter who is a business woman, said a woman called her and asked for information about me. My daughter said the woman was extremely rude and thought my daughter was myself, My daughter told her she would not give out information about me to this rude woman! I later recieved a voice mail on my phone from this woman who was yelling that she sent someone to my address and I was not there! She continued to yell a say I need to contact her because the will be serious consequences, My daughter has her own home, so this woman searched for relatives with the same last name as mine and used bullying tactics, This is a credit card debt I could no longer pay due to job loss and a recent divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
1 ) Using their app I attempted to convert one currency ( Graph ) into another currency ( Ethereum ).

2 ) The app confirmed my transaction as Graph into Ethereum and I approved.

3 ) After the conversion, I get a notification that rather than converting my Graph into Ethereum, the system converted ALL of my Bitcoin into Ethereum. This was an unapproved, errant transaction.

4 ) I contacted customer support and for a week only received boiler plate responses that they are looking into the issue. Despite my attempts to reach them, they never actually sent a REAL response.

5 ) I filed a complaint with the BBB and then suddenly I received a response from Coinbase stating the following : Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Thank you for your patience.

Kind regards, Coinbase Support ref : XXXX : ref 6 ) At this time, my Coinbase account was frozen and I was no longer able to access it. I was NEVER notified that the account was being disabled/frozen.

7 ) I have requested information from them five times since and have not had any sort of response whatsoever. 

Ergo -- my complaint is not only for the initial, errant conversion of my assets, but for the freezing of my account/assets without notification. Their lack of communication is infuriating and if I were to guess, illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 submitted a dispute to Transunion and XXXX  asking for validation of unauthorized and dated inquires that are being reported on my credit report. As of XX/XX/2021 I have not received validation or removal of inquires.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
None of these addresses belong to me. I have disputed before and I never received any confirmation. Now Equifax and the other two will not let you dispute these addresses that do not belong to me. 

Previous address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX, TN XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

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

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
I had an account with Acima Credit and was told by Acima, that making a settlement payment would rectify my account. My paid the settlement agreement on XXXX XXXX. In XX/XX/2020 I contacted Acima by phone asking why the account still shows on my credit report. Acima assured me that by disputing this account with XXXX would be the best way to go to have this collections removed. So I disputed the account only to have Acima update the account stating that I settled the account in XX/XX/2020, which then resulted in my payment history to show as a new collection item for XX/XX/2020 as well as XX/XX/2020. I contacted Acima and XXXX  over 20 times a piece begging for them to update my file with the correct dates for settlement and correct payment history. I understand that having those 2 recent history for XXXX and XX/XX/2020 is negatively affecting my credit and it is hard for me to find a lender to assist me with purchasing a home. I am requesting that the entire account is removed from my credit file considering Acima is reporting inaccurate information. Acima simply will not correct their wrong doing and XXXX  is allowing Acima to report inaccurate info knowingly notated the actual settlement date.

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

Complaint narrative:
None of these addresses belong to me. I have disputed before and I never received any confirmation. Now XXXX and the other two will not let you dispute these addresses that do not belong to me. 

Previous address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX  XXXX, KY XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX, TN XXXX Dispute 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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX 2021, I found 37 fraudulent transactions were made on my American Express Serve Prepaid Debit Accounts. The unauthorized transactions were made from XXXX XXXX to XXXX XXXX. The total amount of unauthorized transactions is {$4300.00}. After I noticed the fraud, I contacted American Express Serve immediately. I asked American Express Serve to replace my card right away and I'd like to dispute all the unauthorized transactions. But they told me I can only dispute the transactions that have been posted and several pending unauthorized transactions can not be disputed until those unauthorized transactions.If they had canceled those pending transactions, I would have lost less money. I also called the police right away. The police created a report for me. I filled the dispute forms that American Express Serve emailed to me with all the unauthorized transactions and submitted online. But the dispute was declined by American Express Serve without any reason explained. I re-opened all the disputes. At the same time, I contacted the stores where the fraudulent transactions were made and confirmed the person who made all the transactions with evidence. I submitted the dispute forms with the suspect information and the police report on XXXX XXXX 2021. After XXXX business days waiting, American Express Serve declined my dispute again without any explanations. All the fraudulent transactions were made online. But I have never made any online purchase using my American Express Serve Prepaid Debit Accounts since I activated this card which can be seen from my transaction history. I am so disappointed with the decision that American Express Serve made. I have provided everything for them to prove all the fraudulent transactions were made not by me. But they didn't look at the document. If American Express Serve had contacted any of the stores where the fraudulent transactions were made, they would have known who the suspect was. Unfortunately, American Express Serve didn't contact them. So I believe American Express Serve made the decision even without looking at the dispute form or making any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I applied for a car care credit card through Synchrony credit. I have spent the better part of the last year fixing my credit up to XXXX, so I really expected it to be accepted. 

However, I was completely shocked to see that I was declined. When I read the fine print a little further, it showed that my score was XXXX. My score hasn't been XXXX for years! And I pay good money to monitor my credit. 

After double-checking, they are, in fact, accessing a completely incorrect credit score. This is a problem because I would never have performed a hard pull unless I thought for sure I'd get approved. As previously stated, I'm rebuilding my credit and wouldn't want to lose even just a couple of points. 

I tried calling and got nothing but scratchy, pre-recorded prompts which ended because I wasn't approved and don't have an account number. There was an option to write them. But, realistically, is that really going to help me? There should be a way to get answers from a real person for something like this. 

I'm actually glad this happened because I would never trust this company to accurately report my payments if they can't even obtain an accurate report in the first place, but something needs to be done. 

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 2021-02-02 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
For the past 60 days I sent you a dispute for hard inquires I didn't authorize with a FTC report stating I been a victim of identity theft, I send out another FTC report 2 weeks ago which they said they didn't received it, I also called and they couldn't help this matter. 


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

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

Complaint narrative:
I have mailed several disputes for a Chapter XXXX and a Chapter XXXX Bankruptcy to the following credit reporting agencies : XXXX, Equifax, and XXXX. The first letter was sent to each CRA on XX/XX/XXXX, requesting the method of verification. XXXX deleted the Chapter XXXX, but verified the Chapter XXXX as accurate. Both Equifax and XXXX verified both as accurate. No one sent me the MOV. On XX/XX/XXXX, I requested the MOV once more, with the same verified response from all three agencies. On XX/XX/XXXX, XXXX sent me a letter stating that both public records were deleted from their record as unverifiable. XXXX is listed by each of the CRAs, on their websites, as being the furnisher of such information prior to XX/XX/XXXX. Which would cover what is being reported by all three CRAs. On XX/XX/XXXX, I mailed proof from XXXX XXXX and a request for deletion due to no response on the MOV matter. I also requested that XXXX/ XXXX XXXX be removed, as it is reported as attached to the Ch. XXXX. Equifax and XXXX verified as accurate, while XXXX never opened a dispute. On XX/XX/XXXX, TransUnion verified, by phone, that the letter was received ( the other disputes were open/closed in the letter ), but that item was not addressed. They would need to " open up a dispute '' to investigate, even though they received the original request. Or wait for it to drop off. I declined because I should not have to wait another 30 days, when they failed to investigate my request. This in particular makes me feel like nothing on my dispute letter was ever truly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.

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

Complaint narrative:
I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a Jr and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I had a charged off credit card with XXXX XXXX Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XX/XX/XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off 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