vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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: NJ

Complaint narrative:
I receive calls from American Coradius International about 4 times a week. They never leave a message, just hang up. Ive attempted to call them, but have been unable to speak with someone. I have no outstanding or unpaid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

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 2021-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank did an unauthorized webex transfer from my XXXX money market account in the amount XXXX {$50000.00} on XX/XX/2021 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 2021-11-17 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: CA

Complaint narrative:
I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : 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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
***Secondary Complaint to XXXX, after closing primary Complaint** Please see response to XXXX for additional issue not resolved in previous complaint. Please add that narrative here for resolution to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On Saturday XX/XX/XXXX my Coinbase account was hacked, I received a strange phone call and ignored it 3 times before answering and when I answered they wanted me to confirm or deny a transaction on Coinbase and then sign in, I received the 2-factor authentication code and was immediately locked out. While locked out of my account my Coinbase portfolio was drained of all my XXXX and {$1400.00} more of XXXX was attempted to be purchased through my bank account. While being locked out I was in constant communication with someone at Coinbase support trying to restore access to my account. It took until last night XX/XX/XXXX, to get full access to my account. Upon gaining access it shows that the transactions for {$1400.00} were denied, because I issued stop payment thru my bank, but Coinbase says i owe them money and need to make a payment! I have lost {$600.00} and had to pay {$76.00} to my bank to stop payment on the {$1400.00} and I simply want my money back so I can close the account and walk away from that company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has changed information on my credit report stating originally that I was late with payments in XXXX and XX/XX/XXXX. They also reported that I closed the account in XXXX of XXXX. If the account was closed in XXXX of XXXX I could not have been late in XXXX of XXXX. I sent in a complaint about the erroneous information and after they reviewed the information and having reported this negative information for several months changed the negative reporting to being Late in XXXX of XXXX and late in XXXX of XXXX to fit their narrative. This incorrect information has cased financial harm due to me because of its incorrect reporting for several months. Financial discrimination by reporting incorrect information on a consumers credit report should never be allowed.

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 2021-11-17 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TX

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan have had my rights violated by EQUIFAX. EQUIFAX have recorded information on my file without my written consent violating 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681n ( a ) ( 1 ), EQUIFAX are civilly liable to me. I have made them aware of this as evidenced by CFPB complaint number XXXX. On XXXX I received an updated file stating that all six accounts in question would remain on my file, now making them willfully noncompliant pursuant to 15 USC 1681n ( a ) ( 2 ). Their reasoning for this was that all accounts were verified by the creditors, which can not be true as I am the original creditor as defined by 15 USC 1602. EQUIFAX, after being made aware of their transgressions are now civilly liable to for me damages in the amount of {$1000.00} per instance of violation pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). I am demanding that EQUIFAX delete all accounts in question from my file and compensate me for all damages to which they are civilly liable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My XXXX account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.

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 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
XXXX-After multiple disputes to have the inaccurate information furnished by XXXX XXXX XXXX XXXXXXXX, removed from my consumer credit reports, I personally called the company at the number provided on the consumer report ; XXXX at approximately XXXX, I spoke with associate XXXX, who i informed that i do not assume responsibility for the alleged debt and have contacted the office only to pay for the deletion of the inaccurate information from my consumer credit report, as it has caused great XXXX, XXXX  and XXXX XXXX  to my XXXX children and myself. XXXX of XXXX XXXX XXXX informs consumer that they have forwarded consumers information to : The Law Offices of Bret Borland, an affiliate of XXXX XXXX XXXX that is now handling file # XXXX, and she ( XXXX ) provides telephone number XXXX to contact this office. Consumer placed call to The Law Offices of Bret Borland at approximated XXXX, and spoke with associate XXXX XXXX. After asking consumer questions to verify identity, associate informs consumer that there are XXXX accounts associated with the XXXX social security number which is assigned to consumer ; Acct # XXXX, Acct # XXXX. XXXX XXXX was made aware that the inaccurate information furnished by XXXX XXXX XXXX has harmed consumer and consumer 's family greatly, and that consumer does not acknowledge or assume responsibility of alleged debt, but willing to pay company immediately in return for immediate deletion of inaccurate accounts from all consumer credit files. XXXX XXXX informs consumer that there is an issue with the accounts, the Cease and Desist, and i would need to contact XXXX, XXXX XXXX, at email XXXX and give company permission to call and make constant contact, thus harassing consumer about inaccurate debt, before this office can discuss matters involving this inaccurate accounts with consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and both XXXX XXXX and XXXX XXXX they conducted an investigation. I was notified by XXXX and XXXX that the account was no longer being reported and my report was updated. Experian, however, still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.

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 2021-11-17 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: CA

Complaint narrative:
Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I reached out to XXXX several times on these two hard inquiries on my credit report that was fraudulent I have FTC reports filled out and a police report with the police report number saying Ive been having problems where I been exposed to fraud where my personal & sensitive mail been opened and exposed! Ive told XXXX I didnt apply for anything with Sears/CBNA on XXXX XXXX nor at XXXX on XXXX XXXX. Ive faxed them over extensive documents and mailed extensive information to XXXX regarding this matter and they still want react to the recurring problem Im having I even called the company several times. Also the documents I mailed XXXX is saying they didnt get them and I have my social security number & date of birth, home address etc! in that mail letter that they saying they didnt get I even verified the address where to send the dispute letters with an XXXX employee in the dispute department! Also I had called the post office they verified my letter was delivered! I just need these hard inquiries removed that was fraudulent put on my credit file and to find my personal mail that was sent to 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 non-monetary relief
Consumer complaint received 2021-11-17 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: Grain Technology, Inc.
State: FL

Complaint narrative:
Paid off loan with company in XX/XX/2020. 
Despite me contacting through multiple platforms continues to report inaccurate information to credit report. Has cost me several mortgage opportunity as they continue to report that I owe almost full balance on this account and that it is still opened to all three major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage was sold to SunTrust in the summer ( XX/XX/2021 ). I repeatedly called them over the summer to get my account number. They provide no way to communicate other than via phone and all calls have taken more than an hour each time with multiple holds and wait times. 
I only received my account number in the fall. I am not able to pay automatically by phone so I have to wait on hold to make a payment. I sent in forms to pay every XXXX weeks. They did not process these forms and assessed a late fee. I received an email ( that I can't reply to ) and a paper letter with the late fee XX/XX/XXXX -- after the fee was assessed. They did not communicate before the fee was assessed. 

I tried to log on to my online account and was blocked. I spent over an hour and XXXX minutes on the phone to get a person who could help me. For every service I request ( one-time payment, reoccurring payment, filing a complaint ) they put me on hold and make me wait. 

There is no way to communicate via email. I have no online access, phone communications require well over an hour of time for each item of communication. 

I believe SunTrust is abusing their customers by making themselves inaccessible and requiring hours of a person 's time to file a complaint.

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 2021-11-17 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX  to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX to reply back and they have not. I know that failure to respond is grounds for 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 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
We fell behind on our mortgage and signed up and were approved for a hardship program. During this time, they reduced our payment to XXXX, down from XXXX. We were told to do a loan modification while we continued with this payment amount. Huntington never reported any of my payments, causing my credit to drop drastically. Now they are stating that I am behind several months because the amount I was paying would not cover the amount due. The loan modification terms just become official this month but they never even discussed the terms with me. Every time I tried to contact them, they said they were behind due to covid. My bank shows payments every month but they did not report. 
In addition to the credit reporting, my new loan was nearly 25k higher than the original and my payment didn't decrease to what they said it would be. They have added almost 40k worth of late fees. Noone will talk to me to break this down. I've attempted more than a dozen times but always get the run around. The gentleman in charge is named XXXX XXXX. He has never contacted me. The terms of the new mortgage were sent out XXXX weeks ago and I had XXXX days to accept. I accepted put of fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent and still, inquiries that are found on my report are still reporting in my account. However, any modes of response or coordination were not taken on their end, Please investigate and Remove those inquiries. The Equifax XXXX have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation