vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: OR

Complaint narrative:
The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out XXXX XXXX XXXX sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my XXXX online account, or emails surrounding the issue. We were just sent to collections. I have called XXXX repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against XXXX for all the people they have screwed over, in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV

Complaint narrative:
I have attempted to resolve this situation with Ars. This company is reporting that I owe two accounts to them. These accounts are fradulent. 

{$210.00} {$1200.00}

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 2021-06-02 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: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
I am having the hardest time trying to deal with Equifax. I have been in contact with them for the last 6 months. They have been trying to ignore me and stall this whole situation. XXXX  and XXXX  has removed these accounts because they violated my consumer rights. I demand that Equifax follow the law and to remove these inaccurate accounts from my credit report because they are violating my consumer rights. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX  4. DXXXX XXXX XXXX 5. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/21 : PNC Virtual Wallet Performance Select approved, advertising {$400.00} cash bonus paid within 60-90 days of satisfying {$5000.00} direct deposit requirement XX/XX/21 : Direct deposits totaling XXXX satisfied the bonus requirement. A call was made to a service representative to confirm XX/XX/21 : Contacted PNC again to remind them the bonus requirements were met and it's been 90 days. The rep first said " no '' to my query. When I challenged if it was a system error or they're denying their advertised claim, the rep then changed to say it was a mistake in his reading the statement history. He said it would appear " soon '' as a credit on a statement. 

XX/XX/21 : It is now approaching 120 days and still no sign of the bonus being credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
CoinbasePro account has been disabled since XX/XX/XXXX and I am unable to sell or transfer my funds. For some reason, my deposit of XXXX  did not go through with my bank and coinbase flagged my account. They froze everything and gave me a negative balance of {$1900.00}. After 5 days they automatically recover the {$1900.00}, but the rest of my crypto is still frozen and my account is still disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
Mortgage company violated several Federal laws which is attached to this complaint. 
I have included my DL for verification which has my current address.

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 2021-06-02 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I filled a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2021-06-02 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: OneMain Finance Corporation
State: MD

Complaint narrative:
XXXX  reported a hard inquiry from One Main Financial. I have NOT requested any credit from On Main Financial. XXXX  is unlawfully reporting I requested loan from XXXX XXXX- and that false. The reporting caused my credit score to drop by 10 points on XX/XX/2021. I want XXXX to remove the false information regarding One Main Financial & restore my 10 points!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
I am so upset. My family and I have been struggling to get a house. I had viewed my credit report and have reached out to you about the errors that I found on my credit report. I will not sit around and be bullied by your company. I deserve to be treated with respect. I work to hard to have to suffer through this madness. I refuse to shed any more tears over this unfair treatment. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: LEXISNEXIS
State: OH

Complaint narrative:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
I am writing to notify Equifax, XXXX  and XXXX  that you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: PA

Complaint narrative:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I went to make a purchase and my citibank credit card was declined. I contacted Citibank thinking it was a fraud situation only discover they closed my account. I have had this account for 22 years and never had an issue other fraudulent activity that caused the account to change numbers. I called the company and they could neither tell me what caused my account to close nor why I was not provided with advance warning. I also came to learn they cancelled my other citibank credit card had also been cancelled. I elevated the call twice but no one would assist me. This is my oldest account and because of it's closure will surely cause my credit score to go down from where I have it. Credit card companies should provide advance notice of the closure and/or an explanation. This was not only improper business tactics but also improper given the federal dollars given to bail them out. Furthermore, this bank, and all other banks, should be required to send information to the credit bureaus to prevent impacts to a credit score when they provide no explanation for the closure knowing the impact it will have.

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 2021-06-02 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: MD

Complaint narrative:
The credit reporting agencies XXXX  and Experian are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # 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 2021-06-02 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
The credit reporting agencies XXXX  and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

Midland Funding Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I received a letter from Ally Bank dated XXXX. The letter stated that I have to pay {$2800.00} by XX/XX/2021. I can not pay {$2800.00}. I receive Social Security retirement income in the amount of {$800.00}. I can only make my car payments on the XXXX of each month, I get my social security check on the 3rd Wednesday of each month. I accumulated a lot of late fees because of the pay date set by Ally Bank which is the XXXX day of each month. When I was working a regular job and getting paid more money, the XXXX day of the month was fine because I was getting paid every two weeks. Now that I receive monthly income in the amount of {$800.00} it is very difficult. I conveyed my situation to the reps at Ally and asked for help, just like their letter and website suggested, but was told they could not help me because of my delinquency. I would like to either have the delinquent fees waived or placed on the end of my vehicle loan. I would also like to have my loan due date changed to the XXXX of each month.That would help me out a lot. I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021 ( file ID # XXXX, but I have not received a satisfactory response. I received an email response from XXXX @ Ally Bank on XXXX. I did however speak with XXXX ( no last name given ) @ Ally Bank on XX/XX/2021. She stated she would look into my complaint I filed with the XXXX. She said that I am 16 payments behind minus the late fees and I owe $ XXXXHowever, when I go the their website to make a payment, my account shows that I owe 10 more payments. Still my concerns have not been addressed. I have since made my car payment on XX/XX/2021. XXXX with Ally Bank can be reached at XXXX XXXX XXXX XXXX Opt XXXX, Opt XXXX  ext. XXXX. You can contact Ally Financial, Inc. @ XXXX, MI XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Include dates, amounts, and actions that were taken by you or the company. 
*** For the past two year Capital one has been receiving an automatic payment from me. I have attached the bank statement proof. ****** *******also i have attached the credit buro information where they report me not paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Based on the law, 15 u.s.c 1681a ( 2 ) ( B ), I believe Experian has violated my rights by furnishing consumer credit transactions in my consumer report without my approval.

I have sent written request for Experian to remove the following accounts from my report : 1. XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX Experian has not honored my request and I demand that they removed the above accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
I have filed a dispute with all three Credit Bureaus on three different occasions which were all through letters mailed out to them on XX/XX/21, XX/XX/21, and XX/XX/21. These disputes were on an inaccurate late payment that was reported on a Real Estate mortgage that was ultimately paid off. Also I disputed a slue of inquiries that weren't authorized by me. I have yet to hear anything about the results of these disputes.

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 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
I paid everything that I owed to the state. I checked my credit report and see that I owe {$120.00} however I was never sent a notice or contacted about this debt. It was just placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi bank has been frustrating for quite some time now, they restricted my profile which i called to the customer service to verify all of the payments and transactions made on the account still citi wouldnt remove restrictions from the account and wont let me have my money email and phone liked to the citibank 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 2021-06-02 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: NY

Complaint narrative:
I am writing to notify XXXX, XXXX  and Transunion that you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal 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