vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: CL Holdings LLC
State: TX

Complaint narrative:
You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A XXXX XXXX can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I attempted to transfer approximately {$70000.00} of XXXX XXXX to Coinbase using the address supplied by Coinbase. The funds were removed from my transferring account, but were never deposited into my Coinbase account. Coinbase has no customer support and despite all my numerous attempts to contact them, I only get robotic emails stating that they are looking into the problem. There is no way to get a live person on the phone to address the issue. At this point, it is apparent that they have misappropriated the funds, and I am pursuing whatever recourse I have to collect my funds. PLEASE HELP! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: AZ

Complaint narrative:
This is a Truth In Lending Act ( TILA ) complaint against the Lending Club which is now a XXXX Bank. The complaint arises from a suspicious loan they made on XX/XX/XXXX although the company has refused on numerous occasions to provide information requested about the account ( in violation of federal laws ) I, thorough my own investigation have learned that they made the loan through an e mail account " XXXX '' and collected payments of {$950.00} though XX/XX/XXXX this is a total of {$22000.00} or possibly more ( again, the company has refused to provide detailed information about the account ). While I do not know the original balance of the loan ( again because the company refuses to provide that information ), it would seem that on a personal loan, {$22000.00} is quite a lot of payments and I would be hard pressed to believe that regardless of the suspicious nature of the loan, that it was paid off XXXX Lending Club itself reports that its average loan size is about {$9000.00} XXXX. Nevertheless, after repeated notices to the company, including FTC XXXX theft reports, which is, according to the FTC " all that is needed '' the company continues to report this account to XXXX XXXX, and XXXXn as a " charge off account '' and has through repeated disputes with XXXX XXXX and XXXX  " affirmed that as correct '' -- it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian failed to conduct a proper investigation and correct the items on my credit report. According to the FCRA if items are not reporting accurately across all three credit bureaus then the items must be removed from the credit report and no longer reported. 

The following errors continue to report for XXXX XXXX : Account # : 2 different account # s are being reported for XXXX  and EX and no account # for XXXX. How is this being reported accurately? 
Account Status : EX still reports account open when XXXX and XXXX report the account derogatory. How is this information accurate? 
Date of Last Activity : EX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and XXXX  reports XX/XX/XXXX. How is this account reporting accurately with 3 different dates of last activity? 
Date of last payment : EX  and XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX, but according to payment history for EX the last payment reported was in XX/XX/XXXX and the last payment reported for XXXX was in XX/XX/XXXX with positive payment history from XX/XX/XXXX to XXXX.In addition there is no payment history reported for XXXX to reflect last payment or date of last activity. How is it that this account is being reported accurately? 

For Chapter 7 Bankruptcy the following errors reported : XXXX reports U.S. Bankruptcy Court without City and State, EX reports US BKPT CT GA XXXX which should not have abbreviations in the court name, XXXX reports Federal as the court name which is invalid. How is this Chapter XX/XX/XXXXBankruptcy being reported accurately with three different court names that are invalid and inaccurate? 

My personal identification, XX/XX/XXXX dispute letter and XX/XX/XXXX credit report with comments in word document has been provided. This is factual based information that has been pulled from EX, XXXX, and 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 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Im in the process of buying a house. I had 3 counts agains my credit that I paid off on XX/XX/2021. I asked for a paid in full letter that included that they requested for it to be deleted off my credit. They refuse to send the deletion letter and when I call to try to communicate with them they are incredibly rude, hang up on me, or dont return my calls. The company is online collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Caine weiner is a debt buyer thats trying to collect on a debt that was already removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
i sent portfolio recovery associates letters on XX/XX/2021 for the alleged debts of {$330.00} and {$390.00} certified mail and has not receive anything from them concerning this matter, and i also went ahead and sent another letter on XX/XX/2021 and have not heard anything from them.its been over 30 days since my first letters and need to be deleted. This is causing me harm and emotional stress because i can't get anything with the negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: IL

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. 
You are reported totally different or missing information on my XX/XX/XXXX account. 
I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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:
hello, I would like to report that these items that I found in my credit report recently are not mine. Its a fraud and I reported identity theft. I am very sad that now I need to dealing with removal of these accounts. I hope and believe that you make it fast because they are killing my credit report and my plans actually. I could not even imagine that I would ever face with this issue. I kindly ask you to help me and investigate this situation and delete those items. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NC

Complaint narrative:
On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.

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 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I tried moving money out of my account at JPMorganChase only to find out my account was restricted. Called Chase to inquire and no information was given. Upon calling back on Monday the XXXX, I was told my account had been closed, no information was given as to why and no information was given about my funds that were in the account. Called repeatedly for 2 days and then was able to reach someone that informed me that I would be receiving my funds in the next 10 business days. Once those 10 days were up, on the XXXX, I again inquired to the status of my funds and was given no information. Called again and went into a branch on the XXXX and was then told that no check had been cut for my funds and that I now needed to provide proof that the funds in my account indeed belonged to me. After providing the unemployment statements that showed my deposits, I still received no information as to the status of my funds. Went into a branch again on the XXXX and was told that my funds would be mailed to me sometime in the next 3 to 7 business days. All during this ordeal, there was not one piece of written documentation provided or any communication that was given to me. JPMorganChase seized my funds, provided no information as to why and then made me go through significant hurdles to recover my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I leased a XXXX XXXX directly from Volvo which had a purchase option exercisable prior to the end of the lease. I notified Volvo that I intended to purchase the vehicle and asked that they credit my security deposit to the purchase price. They agreed to do this subject to the completion of a form requesting that the deposit be credited. I did everything that Volvo requested and we have followed up six times via their call center and via the messaging center on their website. Our issue at this point is that they never credited the security deposit, they missappropriated payments for purchase as lease payments even though the lease was paid in full, they have failed to issue us the title and finally they owe us in the vicinity of {$1000.00} which they have failed to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
Hello, I have been trying to register my previous Eppicard account on the new goprogram.com website as instructed by XXXX and keep getting the following error : Account information is invalid. Unable to locate a customer record that matches the information entered. 

I have tried numerous times making sure all information is correctly entered. I have tried calling the Way2GO customer service number provided by XX/XX/XXXXXXXX and XXXX and I am not able to get someone to assist me. I have been calling since Monday XX/XX/2021. There is no option to select to speak with anyone. If you just dont make any menu selections there is just a message that says sorry you are having trouble, goodbye and just hangs up on you. 

This is getting very frustrating, hopefully someone here can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
In XXXX of 2020, I entered into a deferment with Toyota Financial for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was hospitalized and tested positive for XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XXXX  due to a lingering XXXX  and on and off again XXXX. ( documentation provided ). I called Toyota Financial immediately and told them I couldn't return my vehicle until I was released from quarantine. I was released on XX/XX/2020. I called Toyota and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided ). I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with Toyota financial and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being contagious with a serious virus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I initiated an international money transfer for a sum of US {$6000.00} from my XXXX  XXXX XXXX checking account to my XXXX  Savings account in XXXX held at XXXX XXXX XXXX XXXX, XXXX, XXXX using a service offered by Remitly. The funds were scheduled to be deposited into my XXXX account by XX/XX/2021. On XX/XX/2021, I did get a message from Remitly that there was an issue with the transfer. I was asked to log into my Remitly account, which I did. There was nothing actionable in the account. I was busy all day on Friday, XX/XX/2021 and wanted to call Remitly to resolve the issue in the evening after work. 

On XX/XX/2021, in the evening, I received a message from Remitly that my destination bank account was successfully updated to XXXX XXXX  and that the funds were deposited into that account. To be clear - I do not have an account at XXXX XXXX. The final leg of this transaction was fraudulent. I frantically called Remitly on Friday and informed them. I have been calling them daily this week - but do not have much from them. They keep saying that it is being investigated ... and that they are emailing the XXXX XXXX requesting the money to be returned. I am not sure what my next steps are here. I will be heading to XXXX  XXXX XXXX tomorrow and will let them know that this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: LA

Complaint narrative:
I am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I'm writing to you according to my Discover bank card that was opened on XXXX XXXX, 2020. I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XX/XX/2020.I could not contact cfpb because I did not know about its existence and that they can help me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Yes I tried to write letter to Experian of the fraudulent account thats are showing on my credit report I file a ftc report of those accounts that I upload

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 2021-03-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have submitted ALL required documentation to report & block ( remove ) accounts that where reported as identity theft. Ive submitted : - a letter notifying bureau of identity theft - Identity theft report with FTC - Identity theft report with local police dept - list of fraudulent accounts - copy of my drivers license, social security card and recent utility bill.

Ive submitted all the above documentation 3 times with no result.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment.

2. ) I received ZERO notification from Navient during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail.

3. ) The Cares Act signed into Law XX/XX/XXXX States that Student Loan Servicers can not report late from XX/XX/XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation