vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX loan for a XXXX purchased. XXXX Customer service calls me and hangs up every day, their dialing system does not work. I had set up direct deposit payments, but their system did not process XXXX, which was supposed to be first month drawn direct. All payments are made and current. No payments were made late, yet XXXX XXXX is reporting the XXXX payment as 30 days late. Their customer service person recognized the error and noted in system but refused to change the credit reporting. Gave me a PO Box to mail a request to update credit report. No response to multiple mailings. This one incorrect reporting dropped my credit score 64 points in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion continues to furnish items on my credit report that aren't mine. According to 1681 ( b ) ( 2 ) nothing shall be on my credit report without my written consent.

1. XXXX XXXX XXXXXX/XX/XXXX {$450.00} 2. XXXX XXXX XXXX XXXXXX/XX/XXXX {$650.00} ( failed to mark as disputed 15 USC 1681 s2 ) 3. XXXX XXXX XX/XX/XXXX {$370.00}

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 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
promised to receive XXXX dollars in bonus coupon never sent tried twice with Customer service never sent False advertising!! Company is Old Navy credit card Me 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
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Per Chrysler 's own communication, the account was charged off on XX/XX/2020. They have provided me no 1099 reporting whatsoever, thereby violating United States Tax Code. They are failing to report tax withheld on this transaction despite my repeated requests for proper reporting to the Internal Revenue Service.

In addition to violating tax code, Chrysler continues to send out a repossession outfit harassing me and trespassing on my rights as a private civilian consumer. This is not ok when the matter should already be resolved in full with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX  verified, which XXXX XXXX does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by XXXX  lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong

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 2021-08-16 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: PR

Complaint narrative:
This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit. 

And this prevents me from buying my house.

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 2021-08-16 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: EQUIFAX, INC.
State: PR

Complaint narrative:
This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit.

And this prevents me from buying my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: PR

Complaint narrative:
This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit. 

And this prevents me from buying my house.

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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexis Nexus for years now has been giving insurance companies inaccurate information causing my premiums to go up They have already done this before telling people a not at fault accident was my fault in the past. Now they have changed a speeding ticket from XX/XX/XXXX to XXXX so they can keep it on my record and my insurance went up XXXX dollars because of their lies I cant actually get ahold of a human being about it there either Everything is automated and we will have someone get back with you in 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: NE

Complaint narrative:
This debt is considered to be statute of limitation last payment made in XXXX limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.

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 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I called GDAX phone number which I found on line and an agent of GDAX/Coinbase moved my investments from coinbase to coinbase pro along with {$4000.00} from my bank. He also was suppose to moved my investment from XXXX XXXX to coinbase but only moved one. During the same month I noticed that my default portfolio was just around $ XXXX when my portfolio account should have been around {$20000.00}. 
I have informed Coinbase using their help/support ( XXXX ) section of my concerns and what needs to be done to fix this discrepancy. To date I received a number of case numbers of which none solved my concerns, I then contacted their complaint department ( XXXX ) who indicated taht they would let me know the out come in 15 working days. At the end of that period I received no resolution but instead they asked for another 20 working days. I objected to this continued extension/delaying tactics asking them to provide a resolution within 5 working days which end this Friday. All I need from Coinbase are : 1. to use my account as I see fit 2. what happened to my investment and the {$4000.00} that was withdrawn from my bank that was moved from coinbase to coinbase pro.

3. why is my default portfolio showing less that {$1.00} when my balance should be closer to {$20000.00} 4. why is my account showing {$0.00} when I try to withdraw or transfer coinbase pro to coinbase?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/2021, Bought Euros to Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I went to window of XXXX. I told her I wanted to exchange Euros to Dollars and deposit. She called in XXXX. 
XXXX said today 's rate is XXXX Dollars for each Euro and I would receive XXXX Dollars for each Euros. I asked if there was a fee for the exchange and she said the bank doesn't charge a fee. I was happy. 
After pushing the green button to deposit funds, I noticed the amount of dollars didn't equal what I was told ( promised ). I have the receipt and the rate I actually got was XXXX per Euro. I asked why the difference and no one could answer me. I said " Well that's how the charge me I guess, but I'll have to look into it on Monday ''. I called today Monday the XXXX of XXXX and spoke to their horrible " manager '' XXXX, a woman clearly not interested in helping me solve my issue and with a great deal of smug attitude. She actually hung up on me because I used the XXXX word twice. As if she never uses it. Whenever one says " Don't use foul language '' I take it to mean " I don't want to talk to you ''. It's malarkey. So after calling back XXXX would only take my number and said she didn't like talking to me because I was loud. I lost {$500.00} due to her staff or her bank and I have a right to be upset and loud. I was told a senior staff banker would call. I'm waiting for that but I seriously doubt any good will come of this as XXXX made it clear " I can't do anything about changing rates and it was 'probably ' just our fee '' I don't want " probably '' in the answer. I want to know where the other money I was told I would receive, is. Please have them deposit difference of XXXX dollars per euro ( the price Chase Bank promised ) with no fee and the XXXX price. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Three ( 3 ) mortgage servicers erroneously reported my mortgage as late on various dates ; beginning from XX/XX/XXXX through XX/XX/XXXX. 
I engaged a law firm to conduct a formal and written audit as the account was serviced and transferred from each servicer. Upon receiving the report showing substantial inaccuracies in the servicers reporting of those mortgage payment lates, I first disputed them with the three credit bureaus ; beginning on XX/XX/XXXX. 
When the credit reporting was not corrected, I then ( in writing ) began disputing the erroneous information directly with the servicers on XX/XX/XXXX, including a copy of the audit report. 
To date, the servicers and the credit bureaus have not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Good afternoon, I received a letter from the treasury department, informing me that my mortgage provider ha snot made payments on the taxes of my home, even though I have an escrow account and pay my mortgage on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EdFinancial Services
State: TN

Complaint narrative:
I was contacted the end of XXXX and first 3 months of XXXX by XXXX ( XXXX XXXX ) on several times through mail, email, phone calls. XXXX and another person by the name of XXXX XXXX stated that my student loans are due and that i had to take immediate action. They stated that they were working with the Department of Education and they had a lot of my information on file including personal information to make me believe they were a legit company. so that had me to sign XXXX XXXX documents to charge me {$290.00} three times which equal close to {$1000.00} also they were expecting to take {$39.00} a month. and said they were transferring my information to XXXX student loans. i ended up getting in touch with the correct people from the Department of Education and they advised me to close my account because i was being scammed. i closed my account and tried contacting XXXX for a refund and i got no calls back and can't contact them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 11.25 % yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
The issue started last year with the start of the covid outbreak and shut down. I was put on furlough at work, my child was out of school. I got behind in the payments of the credit card, JCPENNEY. I made a call, they stated they could help, and put me on an extensive payment plan, due to the financial burden I was going through with the Covid. I had spoken to an agent, it was all set up for {$26.00} a month and was set up to come directly from an account. The first payment was successful no issues. Months went by and the calls continued. Each week I called back, stating this matter had been all fixed and I was set up for auto monthly payments. I get yes, I see that, I am not sure what happened. I was assured it would be taken care of. This conversation went on for months, and nothing was ever fixed. Now a year later, only one payment done, and multiple calls made by, myself, every time I am told the same thing. We will fix it, I see that it was already addressed and set up. To this day, nothing has been fixed, I get multiple daily calls, emails and text messages. I get nothing by mail. I had been ignoring the calls, emails and texts, cause I am tired of the same conversation, explaining myself each time with the same out come. At this point, it is not my fault they can not get this fixed. I want it off my credit, for the sheer frustration, stress and pain in the XXXX they have been and caused me. As well as the multiple hours spent on the phone with reps, management etc.

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 2021-08-16 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: VA

Complaint narrative:
Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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 2021-08-16 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: VA

Complaint narrative:
Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with REC MGM SYS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: NCB Management Services Inc.
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter, dated XX/XX/XXXX to Equifax, XXXX  and XXXX  requesting that they remove inaccurate information on my credit report. This issue has really distressed me and has truly affected my daily well being. This inaccurate information was from XXXX of XXXX. I was a victim of identity theft and have fighting to these account removed from my credit reports. None of the 3 credit companies have contacted me and its been over 45 days. The attached letters were what I mailed to the credit companies. I have the signed copies.

Company response to consumer: Closed with explanation