vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Coastal Credit, LLC
State: PA

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: Untimely response
Consumer complaint received 2021-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. I have received hard inquiries from XXXX XXXX on XX/XX/2019 and XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood Financial manages a XXXX XXXX debit card issued by XXXX XXXX I notified XXXX at XXXX XXXX on XX/XX/21 of unauthorized transactions on the card account. They do not have phone support and only accept correspondence by email/in-app assistance and written mail. 

After sending an email through their app, Robinhood should have completed investigation by the XXXX ( making allowance for the bank holiday on the XXXX ). They failed to issue the credit by the XXXX business day, and placed a complete block on my account and card, while requesting a copy of my passport on XX/XX/XXXX to aid in their investigation. 

Robinhood then denied my dispute on the XXXX once I uploaded the passport document. Their error resolution notice did not include my right to receive documents used in their investigation. I notified the company its error resolution notice was deficient, and they sent a new notice offering documents used. 

I sent a letter and requested documents used. The company refused to provide this, with a member of its escalations team writing that " [ my ] case was escalated for an additional level of review ... '' and most importantly that " due to regulatory concerns, and for the security and protection Robinhood accounts, we're unable to share any information with you about the outcome or process of our investigation. '' It is ironic that they are required by law and regulation to have credited me and agreed to provide these details, and are using some fictitious regulatory barrier to disregard my Regulation E rights. I will forward a copy to FDIC for complaint adjudication as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I called and they basically didnt tell me what i owe them XXXX for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Due to bad service in XXXX I closed all my Bank accounts with XXXX XXXX XXXX. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate XXXX XXXX XXXX credit cards in XX/XX/2020 : A personal XXXX XXXX  credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a XXXX  employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under XXXX accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against XXXX  accommodation program and Terms and Conditions for credit cards in their accommodation program. XXXX Credit Card Terms & Conditions for Covid accommodations. I am reporting XXXX XXXX had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to XXXX XXXX and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by XXXX XXXX  in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by XXXX XXXX  decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by XXXX XXXX  I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. XXXX damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc.
State: NV

Complaint narrative:
I have never received a written notice of any debts being collected, have checked my credit reports and have none, but am getting repeated calls - 2-3x a day from this number saying they are from Professional Credit Service with an important message from a debt collector. They have provided no information, no information on their company and no written documentation.

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 2021-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FISERV FINXACT CORE
State: DC

Complaint narrative:
I contacted Telecheck on XX/XX/XXXX, regarding a check that was returned to XXXX XXXX  XXXX Books. I was told the amount, however, I lost the name of the credit agency that now has the returned check. That check was written in XXXX. 

I called back on XX/XX/XXXX, and the representative told me she did not have a file for me with XXXX XXXX  XXXX. She did say that she had a file from XXXX for four items. XXXX does not take checks. XXXX made an error in an order I placed and they never DELIVERED the items. The items are {$19.00}, {$15.00}, {$8.00} and {$10.00}. They have attached a fee of {$100.00} to the bill. This is {$25.00} per check. I spoke with XXXX and they said that I did not receive any goods from them and they do not accept checks. My checking account number has been removed from my XXXX account profile. I have no idea why it was there if they do not accept checks. 

Telecheck told me to call XXXX and I have contacted both with no resolution to my issue. This is compromising my ability to open a bank account as well as use a merchant debit card-such as XXXX  etc. I need your assistance.

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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I opened a Coinbase account ( https : //www.coinbase.com/ ) Date : Fri, XX/XX/XXXX XXXX XXXX and have been using it. 

Today, XXXX, I went to my account and the $ XXXX I had in there is gone and it shows a zero balance with no explanation. 

There really is no " customer support ''. I locked down my account as it was the only option available, but I don't think anyone broke into my account ( with 2 factor security ), no I think Coinbase just stole all my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
In 2018, I took a loan with Net Credit, totaling {$2600.00}. After paying back {$2900.00}, I began to inquire why my remaining balance was still nearly {$3000.00}, as I wouldn't knowingly enter into an agreement that would cost me double the original loan amount. I see this as predatory lending and try to look out for it when I am shopping loans. Because this seemed to be such a large amount remaining, I stopped payment. Since that time, members of my family and I have received several harassing phone calls from XXXX XXXX XXXX regarding the debt, stating that I now owe approximately {$3800.00}. I have disputed this on my credit report as the remaining balance is now much more than I owed and I was truly confused by their terms, which resulted in the Net Credit account being deleted from my credit report. XXXX XXXX XXXX continues to call me even though I fully dispute the terms of the loan as they are predatory in nature. Upon further research, I discovered that Net Credit was sued and lost over predatory lending in Virginia and are subject to other lawsuits, including class action. As we speak, I am communicating with an attorney related to a potential class action lawsuit filed in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased a couple of chairs from camping World, they then sent me a XXXX  XXXX credit card through Comenity Bank that I did not apply for, and I do not want. I called and all I got was automated system and got to close it out but says they don't report it as customers request ... .and then finally I got to get to a representative and they're going to report unsolicited to the credit bureau in the meantime I'm in the process of doing a home equity loan and I surely hope this doesn't cause an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: KY

Complaint narrative:
I have been a victim of identity theft since 2015. I have sent in multiple police reports. I have sent in my FTC paperwork. I have sent in legal documents and American profit Recovery is still trying to collect a debt that is a case of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
NO response from this debt collector. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 VIA USPS certified mail. You can track this package using THIS tracking number. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have a negative credit entry on my credit report for an account that was paid in full. The creditor is IC System and this account has been paid in full. When I contacted the collection agency, the representative agreed to completely delete the item from my credit profile and it still appears as a negative 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
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Refinance my home. During the signing of the paperwork found they made a mistake in the amount of escrow, paying too much. Was told that it would be corrected. It has not and I can not get the company to properly correct it after working with them for about 8 mounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have mailed 6 disputes to Experian. I have an account that was paid off but is reporting twice on my credit report with Experian. The first dispute was mailed in XX/XX/2020. I have not had a resolution to this.

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 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I normally check our credit every month because my husbands job depends on our excellent credit.XXXX XXXX never submitted a bill to our insurance company for billing. This was verified by my insurance company. XXXX XXXX submitted the bill to collections and we never received a bill to our home. .They admitted that the prior billing company was negligent. This error on XXXXXXXX XXXX  part has caused our credit to drop 130 points. My husbands job is in jeopardy if this is not resolved ASAP. I have repeatedly reached out to XXXX XXXX  and have documented all communication with them. They have told me that they cant do anything until they get the records from the prior billing company that they have terminated. They said they have nothing that can help me on file, no account number or anything. So we are left at their mercy while they destroy our credit and possibly my husbands employment.

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 2021-03-03 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
There is a NCB account # XXXX on my account ( Original Creditor XXXX XXXX XXXX XXXX ) This account is not mine, this account belongs to my father ( whom we share the same name ) and is joint with my mother and him. 

I have no ties with this account. 
This should not have been disputed to my account. 

Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21, Experian reported a spurious 25 point drop in my credit score for no apparent reason. All of my credit card balances are XXXX. My auto loan is paid on time by auto debit. This credit score drop is not consistent with XXXX or XXXX. There should not be huge discrepancies in credit scores among the 3 credit reporting bureaus when analyzing the same financial data from a consumers file. I attempted to contact Experian with no success.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have several disputes of a chapter XXXX on my credit file. I disputed and ask EQUIFAX to renivestigate and provide me with proof this public record belongs to me, and who is the furnishing the information. EQUIFAX is giving no proof of investigation!! XXXX is just reporting it was investigated with no proof of where the information is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.

Company response to consumer: Closed with explanation