vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: MS

Complaint narrative:
Twice in XX/XX/2021 XXXX on XX/XX/XXXX AND XX/XX/XXXX ), Equifax reported my XXXX XXXX with XXXX XXXX as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted XXXX XXXX on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on Equifax end. When I called Equifax to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need Equifax to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told by the companies listed below that on XX/XX/2020 if I paid the following accounts off to a XXXX balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agenciesXXXX XXXX XXXX XXXXXXXX XXXX. It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised. Below are the accounts still reporting to the credit reporting agencies. 


Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently had a checking account with J.P. Morgan Chase Bank. It was opened XX/XX/2021 and was closed shortly after, abruptly and with out notice of any kind, on XX/XX/2021. There was a total balance of XXXX in the account at the time of the closing. This money that i have worked so hard for, was suddenly taken by the very institute that i had entrusted it with. I encountered great difficulties on behalf of Chase Bank and its associates when i attempted to inquire as to why my checking account had been closed and why my money has not been returned to me. Their response was that it was a business decision on behalf of Chase Bank to close my account and discontinue our business together, and they could say no more to that matter. Fair enough. Frankly, i had no intention of continuing any business between Chase bank and myself, either. The unprofessionalism and lack of respect for the private property of their customer has left a bad taste in my mouth, so to speak. I know well enough not to do business with companies that behave in such a manner. My main concern is my money that they have kept from me to this day. When i inquired as to why they had taken and continually refused to return my funds, they responded firstly, that the money was issued from the Unemployment Department of the govt, so therefore it had been returned to them and the bank no longer had the funds. I responded with, first of all the money was not issued by the unemployment department, that is completely inaccurate. Of course they did not listen and continually tried to tell me where MY money had come from. So i called the Unemployment Department and asked them to verify that the money was not from them. They not only verified that the money was not from them but that they had not received any money from Chase Bank. Even though Chase Bank had specifically stated that my money was " returned '' to the Unemployment Department, that fact is, the money never left their hands. When i called and told them that i had spoken to the Unemployment Department, they relentlessly and continually stated that they did not have the money and that it was in fact returned to the bank accounts they were transferred from, even though a a lot of the money had came into the account as cash deposits and that they could not tell me which banks the money was sent back to. The very last time i spoke to them, they had once again changed their story and stated that they did have the money the whole time and that they were keeping a hold on the funds during which they will undergo a verification process. I am running out of patience, and i have been very patient and cooperative with them, only to be treated with, to be blunt, downright disrespect. I simply want these games to end, and i want my money to be rightfully returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
I was told by the companies on XX/XX/2020 if I paid the following accounts off to a zero balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agencies. XXXX XXXX XXXX, XXXX It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
Checking my report today and I noticed items posted that I find to be inaccurate I never gave anyone my consent to open anything or inquire about these items that post inaccurate on my report please help me I work very hard for things I have and I dont need this on my account slowing me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/26 around XXXX XXXX my coinbase account was hacked. The hacker attempted to sign in multiple times requesting multiple codes and the company allowed them to request up to 15 until finally they were able to XXXX  my account by adding their own phone number and secondary authentication. I woke up at XXXX XXXX  to the 15 text messages of the codes and immediately signed into coinbase changed my password, added a second factor code, and locked my account to any future sign ins. I tried to delete my bank account and the new phone numbers but was not allowed to because the verification codes were being sent to the new numbers. I immediately emailed the company about my issues. Although the company told me the account was locked, hackers were able to complete 3 withdraws from my XXXX account one for {$200.00}, one for {$500.00}, and XXXX for {$250.00}. They also sent all of my XXXX, {$950.00} to other accounts while my account was supposed to be locked. I have been emailing the company and only receive robot responses. I am not locked out of my account completely and have no way to sign in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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: CA

Complaint narrative:
Checking my report today and I noticed items posted that I find to be inaccurate I never gave anyone my consent to open anything or inquire about these items that post inaccurate on my report please help me I work very hard for things I have and I dont need this on my account slowing me down.

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 2021-04-29 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: AR

Complaint narrative:
I reviewed a copy of my credit report and I see that there is collection item listed that I am not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have account deleted.

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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX Fraudulent unauthorized {$80.00} Cash App XXXX XXXX XXXX XXXX  purchase debited to my bank checking account .Bank notified and bank directed me to contact Cash App for full refund. Cash App contacted via email on numerous occasions Cash App representatives emailed back alleging to investigate to no avail. Online purchase listed as Cash App Square XXXX 
Similar case occurred in XX/XX/XXXX in XXXX, Texas where Cash App refunded {$2500.00} to a customer for fraudulent account withdrawals after customer reported incident to news media.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have an account at Citizens bank. My XXXX  XXXX  daughter was having marital problems. She had worked for many years and all money was joint with her husband. She wanted some financial independence. I added her to my account with a checking account in her name. Like all checking accounts I have, I told the bank that I did not want overdraft protection, meaning if the money is not in the account, don't pay out any debts. She was fine up to last week. She became involves with someone on line, there was some type of fraud and mine and her accounts were closed and about XXXX XXXX XXXX dollars was taken from my account. I found out about this last Friday XXXX XXXX at XXXX and that I had an appointment at the bank at XXXX. I withdrew any remaining money in my account. I have trouble communicating with my XXXX XXXX daughter. Monday XX/XX/XXXX, I went to make a police report and she refused to come saying I was jumping to conclusions. She did give me information about her friend which I gave to the police. 
I looked at her checking statement and was overwelhed with numerous transactions I do not understand. I asked the bank rep how can a person who has a daily average balance of XXXX XXXX and XXXX dollar lose XXXX XXXX. What if it was XXXX or a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
Principal reason Im writing this complaint is to have the 30 day late removed from XXXX Transunion, XXXX 

XXXX credit card reported a 30 day late for the month of XX/XX/2020. 

This was during the pandemic and since we in NYS were under a stay at home : " On Sunday, XX/XX/XXXX, all non-essential businesses statewide closed when Governor XXXX announced the " New York State on PAUSE '' executive order. '' It made it extremely difficult to make a payment, XXXX was under seige by the cornavirus with people XXXX everywhere. 

Below is the order issued by Gov. XXXX. : https XXXX XXXXpause I tried to explain and also written a letter to XXXX regarding the situation and they would not remove the late from all the credit bureaus. 

This is unfair for a lender and credit bureaus to report a late during a city and state lockdown. I would like it removed as its damaging my credit score. 

Note : Account is currently open and in good standing.

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 2021-04-29 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: NY

Complaint narrative:
Principal reason Im writing this complaint is to have the 30 day late removed from XXXX XXXX Equifax. 

XXXX credit card reported a 30 day late for the month of XX/XX/2020. 

This was during the pandemic and since we in NYS were under a stay at home : " On Sunday, XX/XX/XXXX, all non-essential businesses statewide closed when Governor XXXX announced the " New York State on PAUSE '' executive order. '' It made it extremely difficult to make a payment, XXXX was under seige by the cornavirus with people XXXX everywhere. 

Below is the order issued by Gov. XXXX. : https XXXX XXXX I tried to explain and also written a letter to XXXX regarding the situation and they would not remove the late from all the credit bureaus. 

This is unfair for a lender and credit bureaus to report a late during a city and state lockdown. I would like it removed as its damaging my credit score. 

Note : Account is currently open and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AP

Complaint narrative:
I got a email stating I owe a debt but I dont remember even signing up for this particular loan and this supposed senior recovery attorney is asking I pay it in a one time settlement and if not then Ill be sued. Im not sure if this even real or if this is a scam. I have only been contacted by them once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We have had many loan servicing companies XXXX XXXX, XXXX, XXXX, XXXX and now Shellpoint ) and again one is sequestering money into the escrow account, only used for property taxes, that isn't needed for property taxes which suddenly disappears and they don't account for it. Though they have paid our property taxes ( {$5300.00} total for the year, XXXX payment was only {$2600.00} XXXX they have not accounted for the additional money that they put into the escrow account ( XXXX YTD total {$14000.00} XXXX which disappeared at the end of the year. 

The second issue is the inaccuracy of the mortgage statement. 
* I did not receive a mortgage statement for XXXX ( and it isn't listed in their online system XXXX. 
* The statements says past due amounts due prior to filing Chapter XXXX are not included in the mortgage statement. My sister and co-owner filed Chapter XXXX in XXXX to forestall foreclosure. Note that I have not missed a payment in over 6 years and have the bank records to prove it. 
XXXX The fact that the past due amounts do not correspond to my monthly payments makes the statements even more non-sensical. I not only called them about this but also wrote letters. One letters dated XXXX, XXXX. 
XXXX No clear accounting is made on the monthly mortgage statement of what amounts are in the suspense account. There are months where the partial payments listed equals a months payment but it isn't applied as a payment. This is also concerning. 

My inability to get them to correct these errors has prevented me from refinancing the loan and I don't trust their accounting of the balance of the mortgage. I currently am working with XXXX XXXX  to refinance and they stated that the only thing I need is a statement stating that the loan is current for them to finish processing my loan at a much lower interest rate. 

Your help with this matter will be greatly appreciated. 

XXXX 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 2021-04-29 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: CT

Complaint narrative:
I have sent method of verification for all accounts listed and the bureaus have yet to send any documentation verifying any of the accounts listed. It has now been over 30days. My intial letter was XX/XX/2021. 
This is not following FCRA guidelines. After 30 days of investigation all accounts should be removed immediately. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: NY

Complaint narrative:
I have sent letters out on XX/XX/2021 to verify the debts listed below and attached, I have yet to receive any documentation verifying that these debts belong to me. It has now been over 30days and following FCRA guidelines these need to be deleted immediately. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I can't deactivate my account on your site and you won't respond to tickets. Deactivate my account immediately and erase all of my personal data that you keep on your site and provide a confirmation once all my personal data on Binance XXXX is erased per XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
Notice for Proof of Claim Account : Hunter Warfield account # XXXX. To Whom it may concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts state ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The following account is listed below : Hunter Warfield account # 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