vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-09-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I keep receiving these emails stating that my account has been ( Your account has been suspended [ Case ID:XXXX ] ), and each time I log in I am unable to speak with a representative to resolve this problem. I have received several email messages like this one. My account is still active.

I am having to use my account today to pay a vendor ( XXXX XXXX XXXX ) person. 
This kind of service is unacceptable to me as I have been a valuable customer of PayPal for over ten ( 10 ) years without any problems. 

This is the full email that I received XX/XX/2020 at XXXX XXXX XXXX To : XXXX., XXXX.. 
XXXX XXXX,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Yes I'm writing this complaint on behalf of myself and my fiance which we have been customers for years even when it was first XXXX on XX/XX/XXXX we were defrauded out of XXXX from my Huntington bank account through a zelle app which is connected to my account. after searching and saving for a place to rent! 4 months and a half on XX/XX/XXXX XX/XX/XXXX XXXX XXXX. I was contacted buy a person claiming to be the landlord of the property at XXXX XXXX XXXX XXXX and they were willing and ready to rent it out at that time .after several conversation We Came Upon agreement for the rent and deposit for the property on XX/XX/XXXX I was contacted by a person name XXXX XXXX XXXX and he worked for a company call Safe escrow payment through XXXX XXXX XXXX and that they manage the property for the seller he gave me an account number and the route number. for wells and fargo acc.to deposit a cashier 's check which i atempted. but had to redeposit into my account they informed me that my bank also deals with XXXX which I didn't know nothing about I got in touch with my bank and they assisted me on how to activate the XXXX that's on my account! by it already being connected to my account I had no idea that it wasn't insured like I said it was my first time ever using this app the next day I contacted the bank after I didn't receive the keys overnight and put a halt on the payment I would at least think that my financial institution would at least try to help me or direct me into a Direction so I can be helped instead they sent me a letter stating that I'm on my own! now who want to have an Institutional backing like that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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:
I never filed for bankruptcy and the Bankruptcy court did not furnish that information so please remove it under the fair credit reporting act

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 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on XXXX end. I've called XXXX and was told to call the 3 Credit bureaus about the errors reporting on my file

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 2020-09-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on XXXX end. I've called XXXX and was told to call the 3 Credit bureaus about the errors reporting on my file

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
We contacted Amerisave mortgage company to get rates We had to give them XXXX dollars upfront. They quoted a rate of 2.4 percent. The loan person didnt make it clear they would be adding XXXX dollars on top of the loan which didnt result in savings. When I read over the loan I saw the XXXX dollars. Our current mortgage company contacted us and offered a slightly higher rate but no upfront fee and payment was about the same. We decided to go with the company we were with. I contacted Amerisave within 2 days, they said the XXXX was non refundable. I filed a claim with the bbb the sales manager contacted me and said the XXXX was not refundable. I saw on this web site Amerisave had to pay XXXX XXXX for the same practice. I saw where XXXX XXXX had sued Amerisave. As a senior citizen we shouldnt have to be subject to this kind of deceit. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
i sent letters to CONVERGENT OUTSOURCING on XX/XX/2020 and XX/XX/2020 and have not receive anything from them concerning the alleged debt of XXXX that i don't owe.I know that it is a violation for not responding within the 30 days allowed, and i am planning on contacting my attorney to handle this matter.i have attached the copies below for my record.

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 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-09-30 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:
THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoan servicing reported to XXXX this month that I was 120 days late on my student loan. I paid all my loans off with them as of XX/XX/2019 when I consolidated with XXXX. When I called them they told me they had not report to the credit bureaus since XX/XX/2019, which I proof that they have on my credit reports. They are impacting my credit since are report 16 accounts with them as currently 120 days late which they can not be since I OWED NO MONEY. They are impacting my ability to buy a home, buy a car or even if a job I apply to needs to look at my credit report. I want this mistake cleared ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
They sent duplicates of my card to an old addresses that should not have been on file still. Then shut both cards down without notifying me of anything. I have now tried to order the card multiple times and have still not received one. I have talked to supervisors and others at the bank and feel passed around. I feel my security has been at risk because of what workers they have and the protocols that have been established by the bank.

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 2020-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
In XXXX of XXXX there was a hit to my credit by Navient, the company who handles my student loans. This didn't make any sense because I had two automatic payments coming out for years. When I called them, they explained to me that they had started a third loan and I would need to set that up myself. I asked them if they called or emailed me to tell me about this new loan and they said no. I should have known that I changed programs and a new loan would start. This  exact same scenario happened again in XXXX of XXXX. Another new loan, with no explanation. On both occasions, I paid what I didn't know I owed immediately and added them to my current auto pay. They said they didn't have the ability to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: NY

Complaint narrative:
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 2020-09-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-09-30 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:
THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: FL

Complaint narrative:
THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I SENT RENTDEBT AUTOMATED COLLECTION LETTERS ON XX/XX/2020, XX/XX/2020 AND XX/XX/2020 AND I HAVEN'T RECEIVE ANYTHING CONCERNING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.I HAVE ATTACHED COPIES BELOW FOR MY RECORD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase has locked me out of my account. Doesn't allow me to add a XXXX XXXX account for transferring my {$2400.00} dollars out of their account. Also does not allow me to buy crypto that might enable me to transfer coins to my wallet. They have a help process online that sometimes responds " I am still learning, do not understand your problem '', and also a form to fill out that sends back an email in a few days saying the problem has been corrected, with the same results on the website. This has been goin on since XX/XX/2020 with no solution on Coinbase 's part in sight. They also do not have any live customer support.

Company response to consumer: Closed with explanation