vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: NJ

Complaint narrative:
NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CT

Complaint narrative:
Hi. I am submitting a complaint for a previous issue that was not fully resolved. Please do not close my complaint. I had two fraudulent charges made for {$1000.00} each on my discover card. Cfpb and discover resolved one of the {$1000.00} charges, but the other {$1000.00} charge is currently being reviewed by discover, which is why the cfpb complaint did not help. Currently, a {$1000.00} charge is REAPPEARING on my statement, which is why this issue is now a valid case for the cfpb to solve. This charge was fraudulently made and I would not like to be held reliable for this. This charge is currently damaging my credit and I would like discover to dispute this charge immediately, Discover also closed my credit card account, but thinks it is okay to make charges reappear on my account. This is absolutely ridiculous. I was first told to submit a police report. I happily obliged and submitted the report. The report did absolutely nothing and I was then asked to contact USPS in order to start an investigation due to suspecting that someone had been stealing my mail. I currently do not have time to go out of my way and contact USPS for a job that the police is currently aware of. This charge needs to be disputed and taken off my credit report immediately. This is extremely unfair and I would also like my minimum payment refund. I was told that I would receive a refund check, but never did. I would also like for my account to be reopened and have a new card sent out. Discover clearly is capable of reopening my account and trying to make me pay for fraudulent charges, which is why my account and card and should be reinstated. Please resolve this issue asap and do not close my complaint. I have reported this fraudulent charge multiple times, but agents do not correctly file the fraud claim. This charge is once again appearing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: IL

Complaint narrative:
This letter is formal complaint that credit bureaus have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet credit bureaus have failed to respond. 

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
2. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2021-08-25 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:
i have a lot of inquires for credit on my credit report all 3 of them XXXX, there are address on my report that do not belong to me TransUnion, and XXXX. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.

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 2021-08-25 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: FL

Complaint narrative:
i have a lot of inquires for credit on my credit report all 3 of them XXXX, there are address on my report that do not belong to me XXXX, and Equifax. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBT Mortgage loan number # XXXX. BB & T gave us a loan modification in XX/XX/2019 and informed us that while this modification was taking place to not make payments as this was my trial period, Since that worried us we asked if this would affect our loan or credit, They informed us this would not. Since this time they have reported our mortgage loan as delinquent during that time which is XXXX, XXXX, XXXX and XXXX of 2019. They lied to us and have been showing our mortgage loan delinquent since then. I called BB & T and spoke to a customer rep. that informed me they should have not reported us as delinquent because of the loan modification trial period. This is my complaint.

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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhoods United, LLC
State: NC

Complaint narrative:
We have a mortgage financed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Recently we received a letter from XXXX  dated XX/XX/XXXX claiming they provided the funds to XXXX and XXXX is the owner of the mortgage. XXXX also sent a notice dated XXXX XXXX stating that our loan has been transferred to AHP Servicing LLC due to legal issues with XXXX president. Shortly thereafter we received a letter dated XX/XX/XXXX from XXXX refuting the XXXX  claim and stating that XXXX XXXX  is still our loan servicer. AHP Servicing sent us an invoice dated XX/XX/XXXX claiming that we are delinquent in the amount of {$8700.00} for the months of XXXX, XXXX and XX/XX/XXXX. We responded with proof of payments ( to XXXX ) for the aforementioned months and AHP verbally agreed that we are current with our payments but should send our monthly payments to them. We are caught in the middle and do not know who is the actual owner of the loan and to whom we should send our payments. We have never missed or been late with a payment and do not want our credit rating affected by issues beyond our control.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: World Omni Financial Corp.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft SETF/WOFC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a smart cash loan through with XXXX XXXX XXXX  by phone several days ago and was approve for {$1200.00} and per he money was applied to my account. On yesterday I applied for a unsecured loan of {$2000.00} online and did not receive any information back showing a application was submitted or pending. I called XXXX XXXX XXXX  this morning XX/XX/21, spoke to gentleman in the Retail Lending Department. He stated the system denied my application but he stated that I met the criteria for a unsecured loan and he was going to present it to the department that make the decision and someone will give me a call. I waited hours for a call and decided to call back to check the status an hour before closing. I called XXXX XXXX and request to speak to a Supervisor in the Retail Lending Department. I spoke to a Representative name XXXX ( Im not sure if thats the correct spelling ) but she had asked for my social security # and transferred me to a Supervisor name XXXX. Per XXXX the loan was denied for credit. I asked what does that mean because I have a credit score over 700 and have been approve recently for loans. I even ask if I could provide documents showing that my student loan & Auto loan was paid in full recently. Per XXXX, Experian is reporting no credit score. I asked how is that possible when I received loan approvals from other Lenders including the loan they had just given me. Per XXXX she can inform the lending department that have documents but she doubt that she will overturn the decision. XXXX did not give any loan # s or application # s for the loan that was denied. I have the loan # for the smart cash loan that was approved earlier this week.

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 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am a New York resident and on XX/XX/21 I purchased {$70000.00} worth of XXXX coins, totaling XXXX coins. When I tried to sell the coins on XX/XX/21, I noticed that I was restricted to view only and the buy/ sell option had disappeared. It said that trading wasnt available in my region. After doing some research, I saw that XXXX isn't available to be traded in New York. Again, less than 24hours I had the ability to purchase the coins, and now I had that ability taken away from me. I even tried to withdraw/ transfer the XXXX funds to another exchange or wallet but each time, I was given an error message - try again later. Right away I emailed support and alerted them to the issues and since Ive only received generic/automated replies stating the companys FAQS. I have also filed a complaint and have received no resolution. It has now been 10 days and I can do nothing but watch the funds deplete. They refuse to refund the transaction. This clearly seems to have been an error on their part. It doesnt make sense that I was given the ability to purchase and now I am unable to manage those funds in anyway. I have since withdrawn all other available funds from Coinbase and will close the account once this issue is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX an employee from One Main Financial called my employer in regards to a past due balance on my account. This person requested to speak with me. Upon being advised that I was not available this person told my coworker that the call was in regards to a garnishment. I am currently not being garnished by this institution. My last payment was submitted in XX/XX/XXXX which ; does make my account even half way close to filing a garnishment. Last and definitely not least ; it is ILLEGAL to disclose any information to anyone other than the debtor. I have always paid on time until just recently due to the pandemic. I intended on calling them to discuss payment, however Im currently trying to dig myself out of a hole maintaining the bare necessities of my household. I do not deny that I owe the money. My issue is their blatant disrespect of my privacy. This kind of treatment is unlawful and should not be taken lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: VA

Complaint narrative:
TransUnion LLC sold my personal information without my verbal nor written consent to various companies unknown to myself which is violation of my privacy and identity theft and labeled it promotional inquiries, also there are additional inquiries that should not be on my consumer report. There's a total of 49 requests for inquiries into my consumer report and I was not informed either time, nor would I have consented to such a degree of invasion. I demand deletion of each inquiry mention in the letter attached, no CRA can place any information on Consumer 's credit report without their consent and this is a huge violation in their regard. They were also compensated for providing my personal information to these companies and for that I demand compensation to be sent to me via check to the address in the attached inquiry removal letter. I shall provide invoice notating each violation and the amount required by me the federally protected consumer, natural person and original creditor. Please see attachment.

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 2021-08-26 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: GA

Complaint narrative:
I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XX/XX/XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both Transuion and XXXX  the same information an have not received a responce XXXX  was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also Transuion was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/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 2021-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: GA

Complaint narrative:
LENDMARK FINANCIAL CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION, CALLING ME REPEATEDLY BEFORE XXXX, AND AFTER XXXX, EVEN CONTINUOUSLY THROUGHOUT THE DAY. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT LENDMARK FINANCIAL COULD RAISE OR LOWER THE CREDIT RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE LENDMARK FINANCIAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021, XXXX unauthorized transactions of {$29.00} were performed on XXXX. I disputed XXXX transaction of {$29.00} with Chase Bank on XX/XX/2021. However, the bank denied this claim on XX/XX/2021. I was unable to dispute the second transaction of {$29.00} because the bank gave me an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Was notified via phone message from " American Express fraud department '' someone had tried to open an account in my name, was asked to verify my social security number, name, and date of birth. After two attempted phone calls back to American Express, I retrieved a safe phone number I thought from American Express website I did verify my name, date of birth, and only the last 4 digits of my social security number. The date was XX/XX/2021. 
I ran a credit report today XX/XX/2021, it shows a " Hard Inquiries '' on XX/XX/2021, from AMEX as well as XXXX XXXX/XXXX  on the same day. I did NOT request to open either of these accounts. 
I will attempt to notify American Express again. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Monday, XX/XX/2021 I initiated a bank transfer from my checking account at XXXX XXXX  to my account with Paypal. While the Paypal website indicates it takes XXXX to XXXX business days to complete a transfer, I find this unacceptable. 

All banks today are capable of completing a wire transfer within a few minutes and an ACH payment in XXXX hours. After initiating the transfer at approximately XXXX AM on XX/XX/2021, I was alerted at XXXX AM on Tuesday, XX/XX/2021 that the funds had been withdrawn from my XXXX  checking account. 

Later on XX/XX/2021 I contacted Paypal to find out when the funds would be available in my Paypal account. They only stated XXXX - 5 days. The Paypal website indicated funds would be available by XXXX PM on XX/XX/2021. 

On XX/XX/2021 I contacted Paypal again. I explained that I was concerned that the funds had left my XXXX XXXX  checking account at XXXX AM on Tuesday, XX/XX/2021 and that the funds are not available or pending in my Paypal account. I asked if they could tell me where my funds were and they were not able to do so. I then inquired if it was possible to have the transaction reversed, and again they told me I was not able to do that. 

I contacted XXXX XXXX  and asked if they would be able to cancel the transfer. Since the funds had already been withdrawn from my account, they could not cancel the transfer from XXXX XXXX. 

I am concerned that Paypal is holding funds unnecessarily and for prolonged amounts of time in order to profit from these funds being held on the inrta-day money market or by other means using my funds to their benefit and to my detriment. Further, because Paypal is unable or unwilling to offer a reasonable explanation as to why it takes so much longer for them to comlete a transaction compared with other banks and online financial services companies, I feel they should be held liable to show proof as to why the transfer process takes the amount of time they state it does. They have the ability to instantly transfer funds between banks and other payment services, so why does this type of transfer require up to XXXX business days? I can transfer funds around the world many times in 5 days through multiple institutions and currencies.

Company response to consumer: Closed with explanation