vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
Simple Bank corp merged with BBVA and they said our accounts would be trasnfered over the weekend. I followed all their instructions to use their online service and have access to my account but they locked my account and have no access to my funds or can deposit my check. Their phone lines are not working and I can not get in touch with anyone. I am not the only one, there are tons of people on XXXX XXXX that are in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been a customer of Coinbase for 5+ years now. As of XX/XX/XXXX, I had full access to my account with no issues. A few days later go by, and somehow I am locked out of my account, not allowing me back in. I then tried many times to reset password but the system does not provide the email verification to reset the password. At this point I have lost full access to my account and control of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Received a letter dated XX/XX/21, stating that an bank account with Huntington National Bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX ) was opened on XX/XX/21. Never heard of, inquired or opened this account. Called and spoke w/ XXXX XXXX who advised that the account was set up online and they will close and report to their fraud department on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NC

Complaint narrative:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute Account XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; Collection XXXX ; XXXX  Collection XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-11 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: NY

Complaint narrative:
There are items on my credit report that are violations of the FCRA. I request for these items to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
When my divorce was final on XX/XX/2021, the judge ordered that the auto loan was NOT my responsibility. I'm attaching my divorce decree. I submitted this to Sensible Auto and they refused to stop reporting on my credit report and now I have a repossession on my report. 
I asked them what I could do and they told me to refinance with a third-party to pay off the loan, HOWEVER, there are no third parties that will refinance a {$0.00} XXXX XXXX loan which is what they show I owe. I'm attaching the transaction information they sent me which shows I owe {$0.00}. 
So now I'm stuck with NOTHING I can do except beg for your help because there is NOTHING I can do to have this removed from my credit report although they KNOW it's not my debt, I've given them proof AND according to them I don't owe anything after they'd sold it!!!!! 
I don't know what to do anymore. This isn't fair at all! No one cares! I can't move forward with my life because they won't do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a letter from Huntington National Bank dated XXXX that an XXXX checking account was open online XXXX. On XXXX I called Huntington and opened a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MA

Complaint narrative:
Experian refused to erase the late payment stated on my reports. 

XXXX XXXX XXXX has sent me written statements requesting the bureau to back date everything to XXXX of 2020 because of XXXX error. 

XXXX sent me an XXXX # of a document they had sent to Experian to fix the error they made. 

Experian told me XXXX verified I had late payment but I didnt. I have statement from XXXX  saying they messed up. 

Why wont Experian fix 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 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Received a Summons/Complaint from Midland Credit Management dated XX/XX/XXXX. Received no prior documentation/never heard of this company prior to getting this so was not able to properly verify/validate the debt. There was also no supporting XXXX  documentation attached to this summons/complaint proving their ownership and accurate balance, so was unable to properly decide what to do. Summons says {$1600.00}. 

Since there was no previous communication from Midland, went and pulled credit reports and found discrepancies reported on the balance due/past due balance and also dates of last active between the 3 bureaus, as well as the original creditor still being listed as the owner of the account, all of which are currently in dispute with the bureaus. 

Submitted a generic answer to the complaint XXXX XX/XX/XXXX XXXX stating there was not enough information to either admit or deny their claims, and included counterclaims for FCRA/FDCPA violations. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX law firm suing ) then sent only 12 months of statements from XX/XX/XXXX to XX/XX/XXXX when they state the account was opened in XXXX XXXX many were duplicates XXXX. The information on these statements directly contradicts the information being reported on the credit reports. 

Then sent letter back to them on XX/XX/XXXX telling them this partial list of statements was insufficient to prove their claims and asked how they were able to properly verify this information with so little documentation prior to suing? Also mentioned their responsibilities per the XXXX CFPB consent order and subsequent lawsuit in XXXX XXXX due to these business practices, and demanded that they dismiss their lawsuit since they still up until the date of this complaint have yet to file anything with the court. 

Then XXXX XXXX sent another letter on XX/XX/XXXX with a " settlement offer '' still without providing the required XXXX documents that were requested. Refuse to even consider/discuss settlement until this documentation is provided. 

On XX/XX/XXXX received a " discovery plan '' that is due within 14 days, still with nothing filed with the court. 

Received an answer to counterclaims on XX/XX/XXXX denying all of the counterclaims. 

This law firm XXXX and Midland are continuing to harass/intimidate and litigate this outside of the court room. Even though the written disclosures were not provided stating they will provide this XXXX documentation within 30 days, have requested this information multiple times from law firm XXXX and they continue to disregard this important request for documentation. 

Law firm XXXX are also aware that this is clearly in dispute with both Midland and the bureaus, and continue to disregard this information as well, and are continuing with a " lawsuit '' and collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AL

Complaint narrative:
For the last 5 years, on or about XX/XX/XXXX each year, I have attempted to use the www.annualcreditreport.com website to check my free credit report with Equifax. My wife has tried to check her free report on the same day as well. 

In nine out of the ten attempts, Equifax 's website has told us that it is " unable to deliver our credit report online '' and has forced us to call or mail a request for the report instead. This error message always occurs after correctly answering a series of challenge questions to prove that we are the subjects of these credit reports. We have also verified that our credit files are not frozen at the time we request the reports. 

The paper reports are eventually delivered to our mailbox weeks later, but our area has a history of mail theft and I feel that this delivery method is significantly less secure than online delivery. Plus, I am trying to use less paper in my filekeeping and then have to scan and destroy the paper reports that are delivered. And the scanned copies then consume significantly more hard drive space than original PDFs would consume. 

I just want to be able to easily download a simple PDF of my credit report from Equifax 's once per year, like I am able to do with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I reviewed my credit report and discovered this was on my report ... .I have never had this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello I accessed my credit report today and noticed a hard inquiry from XXXX XXXX XXXX in XXXX, GA ( XXXX XXXX XXXX XXXX  / XXXX ) on XX/XX/XXXX. 

Also there is one from XX/XX/XXXX from XXXX XXXX XXXX  XXXX  ( XXXX  ) I currently have a finance loan with XXXX XXXX and never inquired with either company for one. There would be no reason as my car is almost paid off. 

Their contact number XXXX is not for XXXX XXXX XXXX. Their correct number is XXXX XXXX XXXX XXXX per XXXX. 

Also there is no contact information for the XXXX. 

I don't know how much this affects my credit however wanted to put this information on file. 

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 2021-05-11 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: AL

Complaint narrative:
In XXXX and XXXX and XXXX of 2021, I filed a dispute with this credit bureau about Us bankruptcy of XXXX Reference Number XXXX that's reporting on my credit report that is 7 years past the filing date. I have sent proof and ask for the deletion of this outdated account. I've asked several times and In those over 3 month and i have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
On XX/XX/2021 I, personally, sent a letter to them requesting they verify this debt. I JUST received a letter YESTERDAY (XX/XX/2021) DATED XX/XX/2021 REFUSING to verify my debt with insult and states the following : " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by XXXX, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' SERIOUSLY???? Not only did they NOT answer me within the proper timeframe but they REFUSE to validate my debt but yet and still they have the right to leave negative remarks on my credit report???? How can they get away with this??????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
As of XX/XX/2021 Unifund has kept a garnishment on record of a past employer XXXX XXXX I haven't been with for a 15 hr a week pt job in several years due to my physical limitations. From my past complaint they closed the XXXX XXXX garnishment but haven't closed the XXXX XXXX nor explained why they contacted an employer I haven't worked at in several years. I am XXXX only and receive food stamps based on the XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was charged a {$36.00} fee on my account when I put the funds in the same day to cover it! They are crazy with these fees and putting them on your account when they shouldnt be!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My bank account was closed in 2019 due to fraud on my account at Bank of America. I went to the bank to see why my {$27000.00} was missing from my account and I was told that I withdrew my own money. I don't have online banking or a card. So I'm trying to find out what the bank did with my money.

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 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
There is a collection with this company called Debt Recovery Solutions which is unknown and I do not owe this company anything. I have disputed and requested verification and nothing has been received. I need some help. 

Debt Recovery Solutions {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I have a vehicle loan with Toyota Financial with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to Toyota, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from Toyota.

I called Toyota and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that Toyota remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that Toytota had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe Toyota was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I have never done business or heard of this company and DO NOT owe them anything. I thought consumers have rights to. I never received anything from this company notifying me of this, providing me evidence this is mine or even what this is for.

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