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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
In XX/XX/2021, I sent a certified letter receipt requested to Barclays Bank Delaware due to their erroneous reporting on my closed credit card account. I paid for credit monitoring in XXXX, and was shocked at how haphazard and erratic their reporting was - multiple reporting of late payments on one CRA report while reporting I paid on-time on the other two. There is also a discrepancy regarding the date of last payment - each credit report has reflected a different date for years of reporting. I received the green card receipt that proves XXXX received my letter, and they brazenly reported the same errors in 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 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Two years ago, I lost my son and my daughter was in XXXX for 6 months. Thereafter, she was transferred to XXXX. I was in a financial dilemma due to ( XXXX issues, and a death in my family last year ). As a result, a repossession occurred ; 2 and 4 respectively of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid those payments 30 days late on those occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now those late marks and repossession/redeemed on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion, and uplift in my family and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries.

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 — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I reached out to the seller and asked for a washer and dryer new for XXXX. Didn't have. Ask for my cell sent different pictures of washer and dryer a. I asked could we negotiate. A set sold. I said nevermind. They called. Said one XXXX new sent pics. Setup to bring to my house. It was brought. Not new the washer. I tried to tell the driver. He turnt the washer on and rode off. He said he would talk with them but didn't. It asked them to pick up the appliances and I could get my money back. Instead insults and rude to different people that tried to help me.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX of XXXX I began receiving notices from Shellpoint Mortgage Servicing saying they would force insurance on my property at XXXX XXXX XXXX XXXX, XXXX Ga. I have insurance so my insurance company faxed proof of coverage to the fax # listed on the notice. XX/XX/XXXX I got another notice from XXXX. This time my insurance company called them. The problem they claim is they have my address as XXXX XXXX XXXX, XXXX. They are missing the XXXX and XXXX also has the city wrong. The city is XXXX. At this time my insurance company wrote a letter to XXXX stating the two things they had wrong, and sent proof of insurance and also my tax assessors document showing the correct address. This letter that was notarized and with the attached information was sent 3 ways ... 1. faxed to XXXX 2. uploaded to their website and 3. regular mailed to XXXX XXXX XXXX XXXX, MI XXXX. I'm still receiving letters and now my mortgage is due and they have added for insurance. I've called them and they will not help me. They tell me I need a XXXX form but won't provide it for me and the postal office doesn't know what they mean. They are really ugly to me when I call. I'm not financially able to get a mortgage with another company or I would do that. I'm an older lady and there has to be someone out there who can help me with this company. Please can you help? I tried to upload my documents but it says file too large.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions with the consumer to whom it relates. 
I, XXXX never gave credit bureaus any written consent to report anything on my consumer report, no consent is identity theft. 
A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : XXXX XXXX XXXX XXXX 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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have received notices from a Dept collector company in attempt to collect a debt. The company placed a debt on my credit report I have never received a notice from them, not one. I called the agency to inquire about a negative activity report by them on my credit report the original date XX/XX/2014. I was told by the agency they placed a lien and a judgement on me for a debt. I asked her if there was a charge off she stated no. I explained to her the card had been stolen and there were unauthorized charges made to the account she preceded to tell me that she knew that and sent me another collection notice a week later. I did ask them not to contact me again cease all communications and the still contacted me via mail.

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:
While I was checking my credit reports I kept seeing different addresses that were listed as " previous/ current '' address in which I do not have any affiliation with except one of the address in question. The address that is listed on my credit report that I have any affiliation with at all would be my ex wife 's address located in another state that I have never personally been to nor have I ever used on any applications whatsoever. I have notified the credit reporting agencies about this very concerning and fraudulent matter asking for them to remove the addresses listed not associated with me after being denied more information about the addresses in question and what accounts that they are connected to ; even though it is my right as a consumer to have my credit report accurate and upated.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
All of my money and bitcoin are missing from my coinbase account and they don't even acknowledge any of my attempts to get in touch with them or discuss my situation. Coinbase has basically no customer service and won't even respond to my emails or any of my attempts of communication. 

At the end of XX/XX/2021 noticed by looking at my account that all of the bitcoin my coinbase account was missing ( worth 10s of thousands of dollars ). After I that it all was gone and my balance was {$0.00}, I reported it missing to the support area on help.coinbase.com about a month ago which seems to be the only way to try to contact support, and still haven't heard anything back. I never got a trade confirmation that anything had been sold or transferred. I never even got a confirmation that I had filed a complaint or a case ID /reference number for my complaint. My coinbase account became locked after I reported the missing bitcoins so I am unable to access this account now and see any status as to what is going on. It's incredible to me that a company thinks it is ok to not communicate with me for over a month and block access to my account, I also sent a message to coinbase support on XXXX and XXXX, and no response. 

If a bank or credit card company did anything like this it would be impossible to imagine the lack of transparency and support. 

This company is about to go public at a valuation of over {>= $1,000,000} while there is zero support and a dangerous platform where large sums of money can mysteriously go missing which is unacceptable. I don't know where to turn.

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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I've contacted Suntrust ( Truist ) in XXXX prior to my property tax being due. They assured me that they would be in contact with my city and they would use the escrow to pay the taxes. In XXXX, I found that the supplemental bill was not paid and now late fees exist. I contacted Suntrust ( Truist ) once again in XXXX after finding out that multiple tax invoices were not paid! A representative informed that Suntrust Mortgage will be in contact with my city and pay the taxes and that they would be responsible for the fees. The representative then proceeded to inform me to contact them again in late XXXX for an update. Fast forward to late XXXX and I contact them, yet I start having issues with getting ahold of anyone. The phone system fails and the wait time is 30 min. I begin emailing them and still no reply. Finally, once I get ahold of someone I am disconnected and they do not call me back. I contacted my city and my city is still expecting three outstanding equaling to be about {$4000.00} dollars. My city informs me that the only payments they have received is interest payments. So, I need confirmation that the interest payments are not being charged to me and that Suntust is paying them and are being held accountable. I need explanation as to why it is taking them so long to pay my city since interest is compounding. The Suntrust web portal has line items on my account mentioning the late fee payments which leads me to believe they are passing those late fees off to me and thus not motivated in paying my city anytime soon! My monthly mortgage payment increased because my escrow doubled. I have not been given an explanation on the mechanics behind the increase. I have not received an explanation as to why its taking them so long to pay my city. I need transparency and I need help having Suntrust held accountable. I am will to exhaust all efforts in making this right. I hope they are as motivated as I am!

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 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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I did receive my Equifax report but was interrupted before I could download it. 
When I returned to the computer about 15 minutes later, the paged had timed out, I tried to resubmit my datea but was turned away because I already received the report. 
How can I get a copy of this report?

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: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
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: 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: JPMORGAN CHASE & CO.
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: 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: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER FIN SVCS LLC XXXX Date opened XX/XX/2016 Balance {$1900.00} I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

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: KY

Complaint narrative:
I have been battling identity theft since 2015. I have contacted Equifax more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places Equifax refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting XXXX XXXX XXXX on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!

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: American First Finance, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
A purchase was made through XXXX and the goods were never recieved from the seller and tried with XXXX and was unable to get the refund. The XXXX was deducted from my Bank Of America Account of the amount {$97.00} in XX/XX/2020. The claim was made to both the organzations and with no positive favour on it. I want to have the full refund from them. Looking forard for your help

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: NY

Complaint narrative:
I received several letters in the mail from JFQ Lending , Inc saying that I qualify for better refinance rates because XXXX XXXX eligibility. 

I did call them. They seem to be a broker that pairs you to lenders. 

They got my information and current loan information. 

They did offer me a slightly better rate about 0.5 % less than what I currently have. But the catch is that closing costs were $ XXXX on a $ XXXX loan. 

Closing costs above 5 % of the value of the loan. 

These people are taking advantage of unsophisticated individuals that are only focused on the mortgage rate and oversee huge closing costs Company name : JFQ Lending XXXX

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: Resurgent Capital Services L.P.
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: 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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I signed up for this " XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' Today I find out a credit card was added, and I was NEVER informed.

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