vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX CLOSED Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX,. In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your XXXX credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX, or visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 


I received the latest report, which the company sent Report # XXXX dated : XX/XX/XXXX The inaccurate information, which they have stated that they have removed is still there under Inquiries : CAP ONE NA - Address ID : XXXX Date XXXX Item is highlighted in the attached pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2021 I received a New Chase Debit Card. I did not apply nor did I authorize to open an checking account with a debit card. 
I have contacted Chase Bank. After several attempts to resolve this serious concern, I was informed by a fraud specialist XXXX that he could not give any details on this account because I did not authenticate this information originally. I was advised to go to a branch to apply for a Declaration form. 
Once received send this form plus a police report back to their office so they can close this account. There were notes placed on this account today XX/XX/2021 indicating fraud had occurred.That was all they could do for now. 
I am highly concerned. I am not sure how or when this occurred. The fraud specialist noted it was a data breach in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
As of the end of XXXX, I have never received a 1098 to file my taxes and I am unable to log onto the email provided. When I called last week regarding the status, I was told that no one could help me as I had refinanced my loan so they could not see anything. Furthermore, I was told I could not access anything online since my loan was paid off over a year ago, which is not true my loan was paid off in XX/XX/XXXX which would have only been 6 months. I asked when the original 1098 was mailed out and I could not be provided at date. Then I asked them about expecting sending another once since I have never received it which they said they could not and did not know how long it would take. I asked about receiving it via email instead which they indicated they could do and I would receive it in 1-2 days which I never did.

I need my 1098 to file my taxes and will be holding Amerihome and XXXX liable for any further delay relating to that. 

I would like my 1098 sent with a tracking number or emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TX

Complaint narrative:
LexisNexis Risk Solutions reported an inaccurate driving record to my insurance company ( XXXX XXXX XXXX ) which resulted in a higher premium. Their customer service phone number will only allow me to order my 'report. ' LexisNexis Risk Solutions reported that an automobile accident I was involved in on XXXX was ruled as me being 'at fault ' when in fact, the other driver was ruled 'at fault ' and ticketed for 'failure to yield right of way. '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: PA

Complaint narrative:
Does your agency have a debt collection license in Virginia? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. I pull my credit report recently and found out that XXXX XXXX XXXX : ORIGINAL CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The XXXX XXXX, did not response with in 30 days. By not replying in timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately. Please answer all those questions on the attachment and send documents we requested. Are your claim is not justified. We will be pursuing legal matters for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to XXXX and Experian about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to XXXX and Experian. However, XXXX and Experian continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them.

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 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was in the hospital with covid 19 for two months the company sent me a security identification update while I was in the hospital to verify that I was really me, kind of strange but they did through a third party credit reporting company. this was after having my account for few months. I called the company to explain what happen and they just said sorry we cant help you. my account was closed and reported negatively on credit report. I asked them to reopen the account or remove it from credit report they said i was in good standing with payments on time etc, but because I didn't responded to the secured question they were unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a Wells Fargo 0 % transfer card online on XX/XX/2021. I was instantly approved and they requested my transfer account numbers which I did not have hardly. They sent an email stating I could pick up the application later and continue. I came back 5 days later and finished the app and they said it was delayed. 

I called and they said they upon further review they changed their mind and I was denied. But they did not send me a denial communication. 

If they had I would have had time to apply for a different card before this one dinged my credit. 

This is wrong. It's probably allowed because the system protects banks over people but it 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 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
called multiple times last call today XX/XX/2021 today at XXXX request itemized statement was told one was already sent but i never receive one but was told they cant send another one, im just asking for one but was told no no no we cant send another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan Depot is incorrectly reporting an installment account as 120 days delinquent every month through at least XX/XX/XXXX to XXXX when it is not. The account was charged-off in XX/XX/XXXX and now has a {$0.00} balance. Loan Depot is reporting a balance of {$8800.00} when it should be {$0.00}. It appears they may be dual reporting the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
It all started on XX/XX/XXXX when I noticed that Coinbase inc. withdrew {$500.00} on XX/XX/XXXX out of my bank account without my authorization. The worst part is, they withdrew the money, but not deposited it into my coinbase account. So basically they took money out without my permission and deposited it somewhere else. I already opened a fraud case with my Bank so they can look into refunding my account. I contacted coinbase immediately on XX/XX/XXXX and opened a case, case # XXXX. I immediately received a response that my account was locked and to follow a few steps to unlock it. I followed the steps and sent them a follow up email saying it was completed. I do not understand why they locked my coinbase account when my bank account was withdrawn not my coinbase account. Anyways, that was the last I heard from them. I sent 3 emails on XX/XX/XXXX, 2 email on XX/XX/XXXX. I opened up another ticket with them on XX/XX/XXXX thinking I can get an answer. On XX/XX/XXXX I received an email saying my cases were consolidated to case # XXXX and an agent will reach out to me in 4 to 5 business days after review of the case. The 5 business days came and are now long gone and I am yet to hear back. As a courtesy before I filed this complaint, I emailed them one last time on XX/XX/XXXX asking for status. Still no response. Unfortunately this is the only way to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted First Mark Services regarding time urgent need for assistance for deferment on my XXXX  Held loans, to discuss the dire need for help no these loans both due to COVID-19 and two natural disasters which affected my employment in the counties which I reside. I was on hold for two hours, only to be then be disconnected by an inept agent attempting to process the Natural Disaster Forbearance per my request either for the COVID-19 relief, or the other natural disasters affecting my employment occurring in XXXX XXXX ( Wildfires ) and earthquakes in XX/XX/XXXX. 

I am in need of dire assistance with forbearance on these loans, as previously promised to me by First Mark staff -- whom are often extremely inept at assisting me, providing very conflicting information each time. I am requesting immediate assistance from First Mark to ensure that these loans are being processed for the Natural Disaster forbearance as promised previously on my XXXX XXXX  loans. This matter is time urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
I contacted the company to set up a payment arrangement via ACH payment. Three payments were processed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as paper checks, which I did not authorize that form of payment. I called in to get the transactions reversed because i did not authorize the form of payment and Manager XXXX XXXX informed me that the payments were processed as ACH payments even though I provided proof via bank statement that the payments were processed as checks. The company is refusing to refund my payments, therefore legal action will be taken.

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 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I was taken a debt collection agency because XXXX  office that i went to said i owed them {$240.00} that i don't have i paid it anyways so i won't be harassed by e-mails etc. My wife recently passed away due to XXXX we have XXXX year old i am struggling for money right now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute some accounts in my credit report. I am a victim of identity theft, and I did not make these transactions I am requesting that the charges be removed. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When you have a credit card why, put a hard inquiry on your new card use.it go use from 234pt down why douse help are give a bad wrap thats not helping.i pay on time.

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 2021-03-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never lived there FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$290.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Never gave authorization ( s ) to pull my credit nor gave permission to pull a hard inquiry ( ies ) on my 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