vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX XXXX bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-Capital XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX experian, XX/XX/XXXX equifax which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, XXXX reports the account being charged off, Equifax reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX Bank XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. XXXX is reporting as charged- off and equifax is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, XXXX and equifax can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX XXXX, XX/XX/XXXX experian, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, Experian reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. Experian is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, experian and XXXX can not report different payment data. It has to match. The date of last activity is different from XXXX  XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from 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 non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I was trying to send money to my brother in law because he has an emergency. I used WesternUnion mobile app, i paid the fees they asked for witch is {$11.00} Dollars to be delivered in minutes. I was sending {$290.00} + {$11.00} so total is {$300.00} Dollars. Now its been 24 hours the money is not sent. They asked me to upload my ID for verification. I uploaded all the documents they asked for. And still nothing happened. I am on the phone with them for almost 3 Hours trying to get a solution for this issue by either send it or refund it back to my bank account. But unfortunately I couldnt. Its very frustrating unprofessional people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CL Holdings LLC
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : JEFFERSON CAPITAL SYST Balance {$300.00} Date opened XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 I attempted to pay my bill online, by automatically linking to my XXXX XXXX checking account. 
The citi automated linking portal was not working, and I was unable to do it automatically. 
Instead I was forced to enter my XXXX XXXX bank info manually. 
Few days later, I received notification that Citi was unable to complete the payment. 
I again tried to submit it - again, automated linking did not work. Again, submitted it by manually entering the same bank info as the first time around. 
This time, the payment posted successfully. 
However, I was hit with {$29.00} returned check fee. 
I tried to resolve it with Citi, and my reasoning was, that hypothetically, it's possible to make a mistake when you have to manually enter you bank routing and account number, even if you do it as cut & paste, and that had their linking software worked, I would not have encountered this issue in the first place. 
It was all falling on the deaf ear, and the only response I got was 'we are unable to waive that fee '. 
This is not right. I entered the same info the second time and it went thru. They can tell me which info was received by them the first time, and why it was rejected. 
But bottom line- a customer should be able to automatically link their account, and if that was case, this would not have happened. Given they have an issue, I do not believe this is right that they are charging me that {$29.00} fee.

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 2021-09-27 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a transaction processed for a purchase in the amount of {$1000.00}, which what was agreed upon, after checking the credit card statement later that day I found out the merchant charged {$130.00} on top of the {$1000.00}, total charge was {$1100.00}! 

I called the credit card company " Capital One '' & I explained the entire incident with the merchant, the banker " Capital One employee '' he said will try to resolve this with the merchant, if he refused to reverse the charge then we can not do anything & I have to pay for the charge! 

Well the contract signed up with them when I accepted their card clearly says that the cardholder is protected for those types of fraud charges! Mind you I have been an account holder for this Credit Capital One card for almost 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/2021, I requested from XXXX XXXX for a credit line increase from XXXX of my credit cards, and it was denied. XXXX of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the XXXX number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was XXXX  so what is my problem? And there is no one I can talk to. 

I explained that it's not about being XXXX  but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call Equifax claimed that they provided XXXX XXXX with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and Equifax have the correct information. 

My last attempt was to call Equifax and asked for help as I'm not getting any results from XXXX XXXX. Equifax told me to reach out to you, as it's why I'm writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NV

Complaint narrative:
I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.

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 2021-09-27 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: NV

Complaint narrative:
I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX  regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 have not been able to access my Coinbase account since XX/XX/2021 when I made a deposit of XXXX to buy Bitcoin. I have tried since then to access my account but am being denied access to the account by Coin Bases 's Two-step authenticator, which I installed at Coinbase 's recommendation. Coinbase sends me an invalid message after I give them the code that the authenticator sends me. I ask for help, Coinbase then re-routes me to other links that do not solve the problem, and on and on it goes. I can not reach a real person at Coinbase to help me. I have lost money during the latest peak that Bitcoin hit, because I could not get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance {$300.00} Date opened XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Spoke with customer service about extending my forbearance plan. I was approved the extension up until XX/XX/2021 and I keep getting a letter stating I'm behind on my payments and owe to bring my loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Booked hotel room using Southwest.com for three nights. Due to unhealthy conditions of the hotel, had to check out on the first night. I was charged for all three nights. Trying to get the refund for two nights. I Called the number XXXX for seven times, person picks the phone up on other side, and all representative keep repeating " Hello, Hello, i can not hear you '' and hang up. Never saw this type of scam. Can not resolved my problem. Never booking my hotel room through southwest Airline. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a service called XXXX last year. I didnt like the service so I canceled the service. They charge my account again. I tried to contact XXXX, but they dont have a phone number on their website and when you email them they dont reply. So I contact Suntrust to file dispute. I have completed two dispute documents. I faxed them and even stepped into a branch to have a Suntrust representative email them to Suntrust dispute department. On XX/XX/XXXX I followed up with Suntrust. The Suntrust representative told me they have no records of my correspondence regarding the dispute. Attached are the records. It seems like Suntrust is not trying to assist with this Fraud issue.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax removed my current and previous address from my credit report. I contacted the representative at Equifax and was told my correct address and previous address will be added to my credit on Equifax and they have not done so even though i sent in my ID, Social security, a banking statement showing the current address. Because of this inaccurate and incomplete information my Leander for my mortgage company was not able to get my credit. 

I need the current and previous address to be shown as follows : ADD MY CURRENT ADDRESS XXXX XXXX XXXX XXXX  XXXX FL XXXX ADD MY PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have tried to call BOA several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: GA

Complaint narrative:
Received a letter on XX/XX/XXXX from American Coradius International LLC claiming I owe XXXX, XXXX {$9400.00}. This is not my account and XXXX shows a XXXX balance for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: IN

Complaint narrative:
Confirmation : XXXX XX/XX/2021 fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

Confirmation : XXXX XX/XX/2021 the same fraudulent inquiries were disputed and deleted. 

I informed the creditors via a letter sent by mail. I also informed the credit bureau Equifax via fax which included my ID, SSN Card and FTC Report. The bureau claim to of deleted the inquiries but XXXX XXXX and XXXX continues to report on my credit report and has never been deleted. I have kept a close supervision of my report daily and am subscribed to Equifax daily updating on my credit report services. This is a violation of the FCRA laws and if this is not resolved immediately I will be filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2021 received an erroneous letter from Wells Fargo stating XXXX XXXX XXXX XXXX is insuring me for an effective date of XX/XX/2021 instead of XX/XX/2021 for my home owners insurance. They are trying to make me responsible for XXXX that is not my fault.

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