vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: MO

Complaint narrative:
XXXX, Experian, and XXXX  is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, XXXX  and XXXX  mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.

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 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
XX/XX/21 served a civil lawsuit notice. 
XX/XX/21 checked my credit report and this debt was not found anywhere on my report. 

I never knew this debt existed. I was never sent any collection notices. I was never called about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I requested A copy of my Chex System report and notice 17 inquiries on my report. I disputed with Chex systems on XX/XX/2021 and some of the inquires have not been remove. Chex system didn't not provide me with any documentation showing that these inquiries were made by me.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AppFolio, Inc.
State: PA

Complaint narrative:
Requested copy of credit report from XXXX XXXX. They gave runaround and refused to give a copy of the report. They sent the report with password protection but never gave the information on how to access it. This was 3 to 4 months ago. I still have not received a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Submitting a second complaint. This complaint is a followup to my original complaint submitted on XXXX ; the # is : XXXX. 

After trying to pull my mortgage out of Covid-19 forbearance since XX/XX/XXXX and paying my mortgage since then ; it wasnt until I submitted my CFPB complaint in XXXX that I learned that I wouldnt receive the loan modification paperwork until I dissolved the trust that my property was in. I went through the very laborious process of closing the trust and supplying Freedom Mortgage with the recorded deed that shows that I am the only owner to move forward with the loan modification and I was told today XX/XX/XXXX that a Freedom Mortgage loss Mitigation rep indicated that the deed was cut off and somehow not legible after they reviewed the deed. This is false and not accurate and again speaks to ineptness of many of the Freedom staff. I am yet again being given the run around and my mortgage is still in forbearance and I have been awaiting loan modification documents since XXXX. I have supplied my updated deed which clearly shows that I am the owner ; I am not sure how this company can continue to legally abuse and swindle clients. I need this issue resolved immediately. 

I also want to note that the response that Freedom supplied to the above complaint number, they said someone would followup with me directly, no one ever followed up with methis company has a huge lack of customer service and followup and they are dealing with peoples homes.

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 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
This compliant is against Citizens Bank. I have a checking account with them. Some time ago, I made a mistake by using my Citizens Bank checking account as the source to pay off one of my credit cards ( I intended to use another checking account ). Because my Citizens Bank had insufficient funds for the credit payment at that time, I was charged for a later fee. That late fee is understandable because it was my own mistake using a wrong checking account for the credit card payment. However, I also have multiple monthly recurring transfers between my Citizens Bank and another bank. Citizens Bank then charged me the late fee seven time ( {$30.00} for three times and {$37.00} for four times ) because the credit card payment brought the Citizens Bank checking account to negative. Over a relatively long time, Citizens Bank did not alert me for the late fees by any means. When I found this issue myself, I was already charged the late fee for seven times. I believe that Citizens Bank should inform the customers once a late fee is repeated charged rather than be silent. 

I have contacted Citizens Bank to ask for a full refund of the late fee. They refunded me two out of the seven later fees charged. However, I am not satisfied with that. I am OK to pay for the first late fee, but Citizens Bank shall refund me for the remaining four late fees ( because they failed to inform me regarding the repeatedly charged late fees, which they should really do ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
The car was totaled back in XX/XX/2020. The Insurance company ( XXXX XXXX ) asked Kia Motors for pay off amount. The amount was paid off just like requested. Kia Claims that I still Owe a XXXX. XXXX XXXX says that they collected that amount already. 

I need that amount to be wiped out and taken away from my credit report. It is affecting my credit score and it shows as a late payment which is not the case at all. 


Attached you will find that KIA is asking me to collect the XXXX deductible XXXX BUT also attached a proof that XXXX XXXX collected that XXXX $ deductible on their behalf ... 

I already paid the XXXX deductible to XXXX, It is not fair to pay the deductible TWICE.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express Platinum card which has a benefit of {$50.00} credit from XXXX XXXX XXXX every 6 months. I placed an online order on XX/XX/XXXX and another order on XX/XX/XXXX but did not receive the credit in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: OneMain Finance Corporation
State: LA

Complaint narrative:
I've been disputing this inaccurate account for over the past year via USPS Certified Mail. ONEMAIN the information furnisher reported by XXXX  and XXXX  have been requested repeatedly to be updated, its last report date has not changed since year XXXX, which means this disputed account has not been investigated from neither. On this account XXXX  reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX  reports a duplicate account with the same account number but with a different record of payment history, XXXX  duplicate account reports an inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to. This is inaccurate reporting, ONEMAIN account needs to be updated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I sent a physical letter to XXXX, XXXX  and Trans Union informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from XXXX  or TransUnion.

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 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau XX/XX/XXXX Re : Account XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX I am submitting my complaint to your Bureau with regards to unaccounted for payments. I have submitted previous complaints before to your office but was apparently just brushed off or ignored by XXXX XXXX XXXX. through their servicer Select Portfolio Servicing , Inc. ( SPS ). 

This time, I was able to get legal documentation copies that was submitted before in Court where the court dismissed their ( SPS ) charges everytime for being unable to account for a payment of XXXX payable to Select Portfolio Services dated XX/XX/XXXX. This amount would have paid off the full amount of the loan balance then. And now with interests that have piled up, it is up to over {>= $1,000,000}. 
I was never late in my mortgage payments since the mortgage was all paid for. 

Since then, XXXX XXXX XXXX., through their servicer SPS would quiet down and after six to eight months would start again their foreclosure procedure and this time using a different law firm to represent them. SPS have hired already 3 different law firms at different time intervals and each time the judge would dismiss their foreclosure case for their unaccounted for and unexplained payment receipt of {$510000.00}. 

Right now, SPS per their letter of XX/XX/XXXX is again starting the process of yet another foreclosure proceedings with a Trustee Sale date anytime after XX/XX/XXXX with a different law firm. I request that XXXX XXXX XXXX and Select Portfolio Servicing stop all this until this payment issue is resolved. 

I would like your office to please communicate directly with XXXX XXXX XXXX. to stop this harrassment.Their Modus of Operation has caused tremendous stress to the family. I am even forced to resort to a " SHORT SALE '' to avoid a foreclosure on my record. I have also requested a Forebearance but was denied. 

I am attaching herewith copies of important documents that was presented in Court 3 times with which the Court ruled each time in my favor. 
I look forward for your help in resolving this issue directly with XXXX XXXX XXXX. as SPS representatives are not even aware of these payment and court judgments whenever I discuss this with them. 
I look forward for your help as the bank is under your jurisdiction in resolving disputes. 
Thank you for your help. 

Sincerely, XXXX XXXX ( POA ) for XXXX XXXX *To CFPB ... .. If my document attachments can not be uploaded in your system, I will fax them to your office. I tried to upload already but I'm getting a " Fault '' warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase Inc has held my money hostage for over three months without any resaon or any end in sight. I had my account restricted in XXXX which means I can not buy, sell, or trade any of my crypto currencies on coinbase.com. They have not given me a reason why they restricted my account and refuse to communicate any info as to how to remedy the situation. I have also filed a support ticket and issued a formal complaint and still nothing. I currently have XXXX dollars worth of crypto and am in desperate need of my funds. I have sent documents to confirm my identity and still they say nothing.They have also issued me a coinbase visa card and as soon as I try to use it they say I am not permitted. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I received a call from my employer stating someone has called and stated they would be filing fraud charges and suspend my license if I didnt make contact with them I was given the number XXXX I called that number and was speaking to a gal named XXXX at XXXX and she stated that they were a law office representing Money Key for an unpaid debt That I needed me to pay XXXX or face the consequences When I told her I couldnt and that I needed to make arrangements she then stated I needed to call the party who sent them the file That party is XXXX XXXX XXXX at XXXX and that i needed to do today or they would be serving me Friday XX/XX/30 I have called them and they do not answer or return calls My issue is they called my job and told some random coworker my business and told them they would file charges and suspend my license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
Tek Collect put a collection account on my credit report for XXXX XXXX XXXX XXXX XXXX. We do not live in XXXX XXXX Ny and my child goes to public school where we live and we are also not XXXX.. There is no other information. Its just some completely random account that was fraudulently attributed to me. I have never been contacted by these people in any way by either letter, email or phone. I have no idea what or who this debt belongs too, but its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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:
I would like to report about error in my profile. Suddenly there appeared one account and few inquires that do not belong to me. I was chocked to them in my profile. I would be very grateful if you can check them and let me know and if yo figure out that they are not mine just remove them after your check. I am telling to you that they are not mine and I do not want have something that do not belong to me.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I sent a physical letter to XXXX, Equifax and XXXX XXXX informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: FL

Complaint narrative:
Please review new information related to my dispute of XXXX account # XXXX As per the attached copy of the bank statement provided to me by XXXX, the circled XXXX  number of my address on the statement ( XXXX ) does not match my actual XXXX XXXX as per the copy of the relevant page of my Experian credit report. 
Therefore, this account is fraud, please delete it asap.

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 2021-07-28 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: TX

Complaint narrative:
some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXXXXXX XXXX XXXX XXXX  XXXX, Kansas Phone XXXX, I also did disputes on Trans Union, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.

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 2021-07-28 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:
some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, Equifax and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
some one in XXXX  Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/XXXX and the second one was on XX/XX/XXXX same dealer ship XXXX XXXX XXXX XXXX XXXX, Kansas Phone XXXX-XXXX-XXXX, I also did disputes on XXXX XXXX, XXXX  and Experian but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.

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 2021-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
Galt Ventures / Speedycash Garnished my check today XX/XX/XXXX for a debt discharged in chapter XXXX Bankruptcy. 

The debt is for {$840.00} and they garnished my check for {$480.00} Certificate of notice by the XXXX District of Washington was sent to the creditor on XX/XX/XXXX. 

I have contacted XXXX  as well as the Law Office handling the garnishment last week as well as today. XXXX  is refusing to help and the law office, XXXX XXXX XXXX, notified me via phone on XX/XX/XXXX that they acknowledged the bankruptcy and would stop the garnishment. That has yet to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to inquire about a car at a used car dealership, I was told that I needed my credit ran. I told them run it once with XXXXXXXX XXXX, which they didnt due. The used car dealership is XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I didnt authorize them to run my credit 4 times. It was ran with companies that I didnt ask them to run it through. Date that it was ran was on XXXX. The companies were XXXX XXXX XXXX XXXXXXXX, CAPITAL ONE AUTO FINANCE, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation