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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello - I really need your help on this. I mailed letters to XXXX, XXXX  and TransUnion on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the XXXX XXXX this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ex husband married woman with same name as me, spelled differently ( XXXX ) and different middle initial ( XXXX  ). Collection agencies are sending her notices to my new address, having changed the spelling of her first name to mine. They are also calling me, even though my phone is not listed nor has it ever been under my name. I dont understand how they got it. I am remarried with a new last name. I do not want her debts to be attached to my name, or worse, to my new husband. My old and new last names are connected to her on many people search sites as well. This is very frightening ; it causes me much stress. 
Also, I have not been able to reach an actual live person at any credit reporting agency to get answers to my situation. 

Any help would be greatly, greatly appreciated Thank you XXXX XXXX  XXXX Her present info is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XX/XX/1956 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 2021-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I initiated an online wire transfer from XXXX to a Chase account holder for the amount of {$16000.00}. This was after a successful initial transfer a month prior. 

The intended beneficiary contacted me 2 days later concerned that the funds hadnt been deposited. After careful review, I accidentally missed a digit in the entering the account number. I immediately filed an amendment with XXXX and corrected the account beneficiary details. After a week of no progress, I reached out and the message from Chase was they requested additional account info on the intended beneficiary. After clarifying details on the current amendment case, another week of radio silence goes by. 

The next interbank communication announced that Chase acknowledged all the amendment information but confirmed a MISMATCH in their books. ( I have email confirmation from the intended beneficiary ) To add, they have already DEPOSITED the funds to an unintended account beneficiary per initial transfer ( Matching account number but mismatching names, etc ) and by process have conducted a debit authorization by mail to the unintended recipient. This is the current standstill situation with no further communication or progress. I reached out to Chase directly and even visited a branch but encountered pushbacks stating their branches have no ties to their wire transfer departments. I am looking to consult legal counsel if this extends beyond XXXX as my intended recipient is furiously agitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My due date is normally the XXXX of each month. Much to my surprise, the bank changed my due date to the XXXX of each month without me knowing. Furthermore, I paid my bill at XXXX XXXX  PDT XX/XX/XXXX but the bank translated this ti XXXX EST. on XX/XX/XXXX. The specific time in which the payment was due is never mentioned on the contract and I had assumed paying at XXXX PDT will make my payment post the same day. 

Finally, according to the contract, the charge for late fees are either {$29.00} for a first time late payment or {$40.00} for every additional late payment. The fee I was charged of {$36.00} was not listed as one of the charges on my contractual agreement, and thus, I believe, is invalid. The fact that the bank changed my due date against my will, charged me for a payment that was made at the correct time in my time zone ( which they were ambiguous about in their contract ), and charged me a late fee that did not match their policy, makes the late fee charge invalid.

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 monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
As of today, we have been through XXXX loan servicing companies : XXXX. XXXX XXXX XXXX XXXX XXXX, then changed to XXXX. XXXX XXXX XXXX XXXX, account sold to XXXX. SN Corporation SN Servicing Corporation Account Representative XXXX XXXX XXXX XXXX, CA XXXX Office : ( XXXX ) XXXX ext. XXXX Direct Line : ( XXXX ) XXXX Email : XXXX We paid the balance of the loan ; however, loan servicing companies changed their names-from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, and subsequently sold our information to another company, SN Servicing Corporation. They all kept harassing us, demanding to pay them the alleged debt which we do not owe them. We have sent them evidences which include XXXX ) Payoff Statement/Final Balance ; XXXX XXXX Cashier 's Check. They hired lawyers to collect the alleged debt and we provided them with the same documents ; they stopped. Our house was damaged by the snowstorm in mi XXXX of 2021, Insurance company sent them a payment on XX/XX/2021, they keep the money and refused to forward the payment to us. We filed a complaint with the Texas XXXX  XXXX XXXX, they investigated but then closed the case without any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A collections account showed up on my credit report in XXXX. The collections company says the account was originally sent to collections in XXXX, but it was opened in XXXX or XXXX when I was under XXXX XXXX XXXX. The social security number on the account is correct, but the birth date and name that was used on the account are incorrect. This is fraudulent. Also, an account this old shouldn't barely be on my credit report all of a sudden now anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: LEXISNEXIS
State: GA

Complaint narrative:
I sent a letter to Lexis Nexis and the 3 Credit Bureaus ( XXXX XXXX XXXX XXXX ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL XXXX of my credit reports and Lexis Nexis. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). 
Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
XXXX. The name of court representative you spoke with XXXX. The court address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NY

Complaint narrative:
I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

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 2021-08-04 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 am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NY

Complaint narrative:
I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans, but due to the pandemic under this crisis you have hurt my ability to obtain credit.

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 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
XX/XX/2020, I walked into the car dealership in XXXX, Oklahoma at around XXXX. 
After hours of back and forth, pressure tactics and acting like they were doing me a favor by selling me a car, they said they found a car that I was approved for. 
By this time it was late, the dealership was closed and everyone was rushing to get us out so they could go home. 
Most of the lights were even off. 
We were in the office with the loan manager and he was shoving papers at me left and right ... '' sign here, sign here ... he's printing and printing more papers out ... this just says you can't bring the car back ... this just says you have no warranty.. '' etc. 
When I tried to ask questions, I could tell he was frustrated by it. 
He never went over the interest rate or any of that. 
I finally asked, " How much are my payments? " ..because it was never discussed. 
He told me {$360.00}. 
We took our car that night and left Oklahoma the next day. 
A few months later, I noticed that even though I'm paying all of my payments in full and on time, my pay off balance wasn't going down. 
I looked through the contract until I found the interest rate. 
The loan company charged me 18.9 %! 
And I now see that at the bottom of the contract it says that the dealer will get some of that. 
A few days ago, I learned that Oklahoma limits the amount to 16 %. 
I also read that they were supposed to provide me with the Truth In Lending information ... that was not done. 
I feel like these actions were a form of usury and predatory lending practices due to my low credit rating, my lower income, and them counting on me not knowing the law. 
I contacted them last month to ask about refinancing to a lower rate. 
Their response was, " No. We do not refinance our loans. '' The last week of XXXX  I called and informed them that I felt like they had not followed the usury laws and that I would like them to correct it.

Again, their response was, " No. We do NOT negotiate. '' I have tried to reach out them and they are unwilling to work with me. 
The law says that if they violate the usury act, they have to pay me that money back and are no longer allowed to charge me interest for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I purchased 2 secured cards they are honoring one but not both ending in XXXX ( not honored ), capital one is causing a lot of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Aqua Finance, Inc.
State: AZ

Complaint narrative:
XXXX on XX/XX/XXXX Aqua finance on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX capital one on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Capital one on XX/XX/XXXX Customer service was unable to help me remove these fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
XXXX Coinbase allowed me to send {$5.00} ( and change ) in XXXX to a hardware wallet. 
I attempted to send {$2900.00} ( and change ) of XXXX to my hardware wallet and it prompted me to verify my account. I attempted to verify my account three times using my driver 's license which is the same ID in which I opened the account with. Coinbase declined verification 3 times and proceeded to disable my account.

I filed a complaint with Coinbase, in return I have received automated emails with no actual resolution or promise of one. I am currently still locked out of both my Coinbase and Coinbase Pro accounts with no access to any of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
1 ) First, on XX/XX/XXXX I attempt to cancel my checking account with Bank of America. I was informed that in order to close the account my balance needed to be exactly XXXX. This was expressed to me while my account was above XXXX balance. I was then told that I needed to remove the money from the account myself in order to have a XXXX  balance. 
2 ) As a consequence of this, there were multiple times when I attempted to get my account to exactly XXXX  balance without success. There were multiple fees placed on my account totalling hundreds of dollars. I was using another account to deposit money in my BoA account to attempt to restore my balance back to XXXX. However, outside bank deposits take multiple days to show up. Essentially making it impossible for me to achieve a XXXX  balance unless the funds were placed there by another BoA account. 
3 ) I called bank of America one last time today, XX/XX/XXXX in order to ask about removing these fees and to cancel my account. The agent said there was nothing to be done about the fees. She then proceeded to close the account as I was able to coordinate a wire from another BoA account holder. I asked to speak to her manager who, frustratingly said she could not refund these hundreds of bank imposed fees specifically due to having my account closed, something the previous agent did not tell me. This agent also confirmed that the information given to me by a the first agent, that I could not cancel an account if it was not exactly XXXX balance, was incorrect.

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 monetary relief
Consumer complaint received 2021-08-04 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: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I received two charges from XXXX and one from XXXX to my Santander bank account. All three of these charges were unauthorized. 

The XXXX charges were as follows : XX/XX/XXXX XXXX XXXX /XXXX  XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX /XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} I did not shop at XXXX on this day and I had not shopped there in a long time, I have also switched bank account type and debit cards multiple times since I had last shopped there. XXXX 's data was breached in XXXX multiple times causing my account to be hacked and I received charges from them last year and early this year, in XXXX. I reported this to my financial institution and had the charges reversed and received new debit cards. Miraculously on XX/XX/XXXX there are additional unauthorized charges from them and they refuse to reverse them. 

I also received a charge on my XXXX  account which had the same information as the XXXX account that was hacked. Thankfully, I was able to return the products to XXXX when they arrived at my house. I filed a dispute for this transaction and it was also denied by my bank. Here is the XXXX charge below. 

XX/XX/XXXX XXXX XXXX /OR XXXX XXXXXXXX PURCHASE - {$2800.00} As a result my account is overdrawn, and now my account is due for closure.

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