vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: CA

Complaint narrative:
On XX/XX/2021, I did a dispute with XXXX. On XX/XX/2021, I received a letter from XXXX that all bankruptcy items were removed from my public records, on my consumer report. On XX/XX/2021, I sent a certified letter to all 3 credit bureau with the attached letter from XXXX XXXX that the items were removed, due to their inability to verify the accuracy in a timely manner. Also, the courts letter stated that they don't verify information ( that include anyone involving the courts ) I called XXXX on XX/XX/2021 and they said they cant remove the items on my credit report due to XXXX reporting. I called XXXX back on XX/XX/2021 and I spoke to XXXX. He said, that the letter that stated your items were removed from our database ( verified database ) is correct. But then turned around and told us that there's another database ( unverified database ) that consumers are unaware of that the creditor 's use which they pull from that database which still has the information. ( Unethical ) Under the FCRA law they have 30 days to do their investigation. They said that the other database ( XXXX ) dispute can go from 40-60 days. We have provided XXXX from the courts stating they dont furnish this information nor do they verify this information. And that it should be disputed and removed from both databases. I have provided the supporting documents.

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 2021-08-03 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
hello my digital assets are on COINBASE digital wallet - My coinbase account is tied to my bank account for purchases etc 2 weeks ago my account started to display this message upon sign in Your ability to trade and transact is disabled Your recent purchase of digital assets has failed. As a result, the ability to trade and transact is disabled. In 5 days, we will proactively initiate an automatic recovery. '' when I click on MAKE PAYMENT it says this " Failed payments Your recent purchase failed Until resolved, your ability to trade and transact is disabled.After 5 days, we will automatically sell cryptocurrency in your account to collect any outstanding payments. '' I have not made any recent purchases and coinbase told me a specialist would contact me in 4-5 days they have not contacted me and when I send them an email to their support I get a copy and pasted response that says the same thing ( a specialist will contact me in 4-5 days ) I have had a Coinbase account for many years and have never had this issue bofore my bank assured me that they did not reject any coinbase purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, FL. When I got my car, nowhere was I informed about my right to recision and according to 15 U.S.C 1635 ( a ) I was supposed to be notified and my alleged contract doesn't state that, which makes this fraudulent. Also, the finance charge is supposed to be the sum of all charges, however, per this alleged contract, I was charged more, which is a violation of 15 U.S.C 1605. On top of all of the nonsense in the contract, Hyundai Capital America even repossessed my car, after I sent them a cease and desist and a affidavit of truth back in XXXX, XXXX which is a violation of 15 U.S.C 1692f by Hyundai using unfair practices. 

I sent Hyundai Capital America yet another affidavit of truth that was received and signed on XX/XX/XXXX which has still gone unrebutted and unanswered, therefore this means my statement will stand as truth in the court of 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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
After contacting USAA and being told by their automated phone system that it would be a " 2 hour wait before I could reach someone in the fraud detection department '' : I decided that a complaint needed to be filed. When a bank does not take fraud seriously enough to have immediate representatives ready to help - something is amiss. On my account, I have XXXX repeated transactions from XXXX XXXX XXXX in XXXX, Wisconsin. Their payment transaction software has a glitch of some sort such that I was charged 13 times for an order that never actually " went thru ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this 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 2021-08-03 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: NY

Complaint narrative:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: NY

Complaint narrative:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this 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 2021-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I checked My credit report and noticed that a collection account was added to my report without my knowledge. I sent out a debt validation and the company refused to validate my debt, violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Once again, Experian is reporting incorrect negative credit information regarding my mortgage with XXXX Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with XXXX, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both XXXX and Experian.

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 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Re : Wells Fargo Home Mortgage With reference to the above-mentioned Mortgage Company, I XXXX XXXX hereby wish to appeal the decision made by Wells Fargo to offer a Short Sale as the only option offered for keeping my home. 
I was afforded the opportunity to enter into a Forebearance arrangement due to the Pandemic which severely affected my ability to pay my mortgage as usual. 

Prior to the Pandemic Relief Program being initiated on my account, my husband lost his job which was the start of my hardships. This unfortunate situation was communicated to Wells Fargo who then allowed us to enter a hardship program. Whilst going through that hardship, COVID-19 struck the entire World at which point we entered into the Pandemic relief forebearance program. During the Pandemic, I lost my XXXX XXXX XXXX XXXX XXXX and within 7 months of her death XXXX XXXX XXXX XXXX XXXX XXXX. These along with other unfortunate situations was communicated to Wells Fargo, and created monstrous hardship for us, only to be told by Wells Fargo at the end of the Forebearance program that a modification was not possible. 
Of course, this news has left us now totally devastated as we were anticipating that Wells Fargo would have taken our circumstances fully into consideration and at least move our missed payments to the end of the mortgage and allow us to continue paying our monthly mortgage as we transitioned to normalcy once again. 
I consider the actions of Wells Fargo to be totally unfair and unreasonable, as I am now quite able to and have every intention to keep my home and every intention to continue paying my mortgage and meeting my obligation. We feel totally abused by Wells Fargo to say the least. Having paid tons of interest to the bank over the years and having accrued substantial equity, it seems quite unfair to have the rug pulled from under our feet without a reasonable option to recover by denying us a modification offer in spite of, the horrendous hardships we have been through during this very difficult time, is the reason I am appealing to your sense of humanity for your assistance on how to move forward in order to keep our home

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 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
ON XX/XX/21, XX/XX/21 and XX/XX/21 I have made several attempts and reached out to the reporting companies regarding s allege debt. I have mailed certified dispute letters in an attempt to validate this account with the creditor and verified with the reporting credit Bureaus and no one has provided me with any documentation to verify this debt. XXXX have send several automated-generated responses and XXXX and XXXX has completed ignored my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: DE

Complaint narrative:
Did not authorize inquiries fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I used Ally Financial for a vehicle loan. I sent in my payments every month by check after they locked me out of the user portal after missing one payment two years ago. Nobody would get back to me, nobody would unlock my portal, so i continued to pay it as i should yet they said because i was late on one payment, that the rest of my payments were a month behind. I paid every month on time except that one payment and then to try and make it better, i even paid off the vehicle several months early. All i got for my effort was them ignoring my attempt at contact and putting a 30 day late mark on my credit report every month for over a year. Now i do not qualify for a loan because of all the late pays even though Ally got theirs, i am stuck renting because of all the fraudulent late pays on 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 2021-08-03 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in XXXX and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to BMW financial and they stated that I could not dispute this because a payment was made in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX account is stated on my credit report that is inaccurate, and well over 10 years old, and still remaining on my credit. I have sent out several attempts to rersolve this issue with Transunion for it be remove but yet have no response

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 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IA

Complaint narrative:
Aargon is reporting a collection that I do not recognize on my credit report without legally validating the debt first. Validation is now requested.

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 2021-08-03 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: MoneyLion Inc.
State: TX

Complaint narrative:
Moneylion has reported 2 late payments after I decided to pay the loan off early this show on all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: DISCOVER BANK
State: NY

Complaint narrative:
Once again, XXXX is reporting incorrect negative credit information regarding my mortgage with Discover Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with Discover, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both Discover and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive been told my auto deposits from social security and the VA are being delayed and I have now been blocked from asking questions to Chase on the online messages. What appears online is not a reality as my account is frozen from ALL transactions both in and out and Ive been offered no coherent reason. Ive been given contradictory and inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I HAVE A JET BLUE CREDIT CARD ISSUED BY BARCLAYS BANK. AROUND XXXX OF XXXX, MY CARD WAS USED FRAUDULENTLY FOR NEARLY XXXX XXXX DOLLARS. I CONTACTED THE BANK/CARD ISSUER, FILED A CLAIM FOR FRAUDULENT TRANSACTION. I WAS TOLD THAT THEY WILL CONTACT ME BY MAIL OR PHONE CALL IF FURTHER INFORMATION IS NEEDED. ABOUT A MONTH PASSED, AND WHEN I CONTACTED THE BANK, THEY TOLD ME THAT THEY HAD SENT ME PAPERS TO SIGN AND SEND BACK, AND I HAVE NOT, SO THE CLAIM IS CANCELLED AND I AM RESPONSIBLE FOR THE PURCHASE AMOUNT. I HAVE BEEN PAYING THE BANK FOR THE PURCHASES I HAVE NOT MADE, AND I KEEP ON ASKING FOR A PROOF THAT THEY HAVE SENT ME THE LETTER THAT I NEEDED TO RESPOND, HOWEVER, THEY ARE NOT PROVIDING THE PROOF THAT THEY SENT, AND THEY ARE NOT PROCEEDING WITH THE CLAIM, AS THEY HAVE CANCELLED THE CLAIM ALREADY. FIRST, CLAIMING THEY HAVE SENT THE LETTER THAT NEEDED TO BE SIGNED BY ME, THEN SAYING THE CLAIM IS CANCELLED AND I AM FULLY RESPONSIBLE FOR THE PURCHASES WHICH I DID NOT MADE, IS ABSURD. INSTEAD OF INVESTIGATING WHERE THE PURCHASES WERE MADE, REQUESTING SIGNATURES OR VIDEO RECORDINGS FROM THE MERCHANTS THAT THE CARD WAS USED, I AM TOLD THAT SIMPLY BECAUSE THEY SENT ME A LETTER ( WHICH THEY DID NOT ) AND I DID NOT RESPOND TO THAT LETTER. I ASKED THEM TO RESEND THE DOCUMENT OR EMAIL IT SO I CAN SIGN AND SEND BACK, THEY REFUSE TO COOPERATE. 

BARCLAYS BANK IS THE BANK JET BLUE IS THE CREDIT CARD. 

STAY AWAY FROM THEM. I AM ALSO SEEKING GOVERNMENT 'S ASSISTANCE FOR HELPING ME RESOLVE THIS ISSUE AS IT IS NOT ACCEPTABLE IN ANY WAY TO BE HELD RESPONSIBLE FOR NEARLY {$23000.00} FRAUDULENT PURCHASE WITH MY CARD. I WOULD NOT BE PAYING THEM ANY XXXX HAD IT NOT EFFECTED MY CREDIT HISTORY. THAT IS THE LEVERAGE THEY HAVE THAT THEY KNOW I WOULD HAVE TO PAY BECAUSE IT WOULD MESS UP MY CREDIT HISTORY.

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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX of XXXX, five XXXX transactions occurred in my checking account. Three of the transactions were for XXXX dollars, one for XXXX dollars, and one for XXXX dollars ; a total of XXXX dollars. The withdrawals caused my TD checking account to lock due to suspected fraud. TD sent me a message to my phone which alerted me to the transactions. I called TD Bank immediately to address the issue and they suggested creating a claim. I was told I have to wait 10 business days to get a decision. 10 business days later, TD Bank denied my claim stating that they sent text messages to my phone confirming the transactions and that I replied to them confirming it. I informed them that I had not received or responded to any text messages from TD. TD advised me to make a police report and take it to a TD branch. I filed a police report and filed the claim with TD Bank. After another 10 business days, the claim was denied again. I immediately removed my funds from TD Bank due to this security breach. I have not had any issues of this sort previously.

Company response to consumer: Closed with explanation