vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Constantly calls work number even after being told to stop as they have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I used this clinic XXXX XXXXl XXXX XXXX XXXX XXXX A, XXXX XXXX, NV XXXX XXXX service since XXXX The did a lot of work on my teeth In XXXX they recommended deep cleaning and one of thing called irrigation they said my insurance wont cover that and i have to pay them I already did paid for that service out of pocket In XXXX start having pain in one of the tooth they fixed and put a crown on I went back to the clinic the dentist who was working with me wasnt there and they new dentist noticed that they messed up my teeth so the send me to a specialist within the same clinic And she confirmed they did a mistake and they will refund me what i paid of pocket which is {$300.00} I havent received that check yet and I forget about since I dont live in XXXX XXXX anymore Now I received a call from collections agency regarding that service which I already paid for

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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Back in XX/XX/2020 I realized that someone had stolen my identity and used Coinbase to steal {$15000.00} from my bank account. I tried reaching out to coinbase to have the money returned, but their answer was simply that the same IP address was used and that they were not responsible for the issue. I have sent paperwork proving I had identity theft situation and I have tried to resolve the issue with my bank as well. Coinbase is aware that fraud takes place on their platform and are more than OK letting crime take place on their network. I though, am not ok with this and want my money returned to me. Coinbase needs to be held accountable for what happens on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my 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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts 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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IA

Complaint narrative:
XXXX is reporting to XXXX  that I made 5 late payments XXXX XXXX XXXX XXXX XXXX  ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and XXXX with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Notification of any unpaid balances was never conducted upon conclusion of the lease. XXXX XXXX XXXX did not contact us by phone or email. All lease and utilities were paid in full before turn over. It was over a year later that a third party sent notification of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
XXXX XXXX is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my Experian.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX is reporting to Experian that I made 5 late payments XXXX XXXX XXXX XXXX XXXX ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and Experian with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own

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 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
As per credit report, GLA collection had sent debt of {$1500.00} on behalf of XXXX XXXX XXXX where I never gone for service. in my recent history, on XX/XX/2018 I had XXXX  in XXXX XXXX XXXX, that was in network, after my insurance company approval. All payments from the insurance and my part were settled. I don't know the company the so called a creditor to me, XXXX XXXX XXXX. There should be my consent to the company service and credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
When student loans went into deferral, I was not aware that my Nelnet loans were not part of that. They had my contact information, but none of their deliquent notices got to me, nor did they try to contact me by phone. I have never been deliquent, but now am showing six months deliquent, and they dropped my credit score from almost 800 to XXXX. The person on the phone told me it was my responsibility to know what type of loan I have, even though I've been paying on it for the past who knows how many years. Being a public health nurse who has been working on a pandemic for the past year, that was not my priority. 
Nelnet does not operate in good faith. I can pay my bills. What about people that can't? I'm turning XXXX years old this year, and was planning retirement, and moving back to my family, and now I can't because of this. 
I tried to bring my account to date today, but I can't because I'm on vacation and don't have a checkbook, and they won't take my credit card, only my debit card. I'm not doing that, sorry. They will get paid when I get back to California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: WV

Complaint narrative:
I have had 2 complaints through CFPS on this issue. I need an address, phone number and person for Conduent Education Services. All addresses and phone numbers are either out of service or mail - not known at address. 
Including info received from Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I have contacted the Loan Servicer Selene Finance numerous times. The company charged me XXXX in error for my mortgage payment. For the last 6 months XX/XX/2021 to Present I have been charged more than I actually owe. I would like a refund for that amount. I had to borrow from family to pay the additional amount so I would not lose my home. I would like and audit of my account showing the following : The amount that was applied to the Principle Balance each month - The amount that was charged/applied as interest each month - The remaining balance after each payment - The amount that Selene " is crediting the account for the difference in the payment amounts for the XX/XX/2021 through XX/XX/2021 installments. '' as stated in Selene 's letter dated XXXX XX/XX/2021 to the XXXX. 

I have requested this information in writing and also via phone call and I have not received the information from Selene Finance. 

I have also been told by a customer service rep. that my loan is being transferred to another servicer. I would like this information before my loan is transferred how do I know if the amount transferred is correct. I have asked to speak to several managers and I have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter from Debt Recovery Solutions ( DRS ) and a subsequent fraudulent/counterfeit bill. DRS claims they are attempting to collect a {$2000.00} medical debt for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX who have both agreed I do not owe them a debt, although DRS continues to harass me over this blatantly fraudulent claim. I have made multiple complaints about this debt and each time DRS agrees to stop collection attempts, although it appears they simply create a new case number and begin this entire process again, after they report to you that they will not seek to extort money from me again. The most recent bill has DRS account number XXXX and claims I owe them {$200.00} this time around. I wrote them and requested original documents, which have never been produced, only the attached counterfeit bill. I am again coming to you for relief from this malicious and fraudulent collection attempt by DRS. The previous complaint number is XXXX, which DRS reported or claimed that they would cease their collection and malicious credit reporting behavior. Mr. XXXX XXXX name is printed on the documents and I am requesting that he be investigated by someone who can drive to DRS, located at XXXX XXXX XXXX, XXXX XXXX in XXXX, NY XXXX and interview him about the counterfeit documents he is sending through the US Postal Service with the intent to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TX

Complaint narrative:
Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts 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 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: ID

Complaint narrative:
This is my complaint regarding the unprofessional and rude behavior from Mr. XXXX XXXX. He treated himself as the boss, and was very unprofessional after seeing my offer from another lender. I have attached the email chain for your reference. 

XXXX XXXX Division President, ID, MT, WY, NV NMLS XXXX Primary Residential Mortgage NMLS ID XXXX XXXX XXXX XXXX XXXX XXXXy, XXXX XXXX XXXX ID, XXXX XXXX O XXXX C XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Since XX/XX/XXXX, I have been out of work with a XXXX  XXXX. I was notified by Social Security that I would no longer have to pay on student loan, due to XXXX discharge that was in process. In XX/XX/XXXX, I asked you to remove the late payment status on my credit report for XX/XX/XXXX, which you stated " we have an obligation to ensure data we furnish to consumer reporting agencies is accurate ''. In XX/XX/XXXX, I received a refund for payments posted on the account including the XX/XX/XXXX payment. Furthermore, you must remove the payment history for XX/XX/XXXX, Since I was not responsible to pay that month. I noticed several months of data were removed after you received my TPD discharge, however you decided to leave the late payments on my report. Please update XXXX, XXXX  and XXXX  to remove the payment history for XX/XX/XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a home loan with Bank of America for 8+ years on my personal residence. I have never had an escrow or impound account with B of A on ANY property. In late XXXX Bank of America fraudulently charged me on this loan for property taxes they mistakenly paid on a different loan/property that no longer existed, I had previously sold a property in XXXX and all debt was paid off to B of A. B of A refused to remove that charge. After numerous complaints and finally a CFPB complaint they finally removed the charge and admitted the " error ''. B of A finally corrected this current loan. 
Now, just a few months later they appear to be purposely harassing me again. I have never had a impound or escrow account for my property taxes or insurance. Bank of America has now made a payment on my property taxes without my permission an opened another impound/escrow account on this loan/property. B of A has starting charging me for taxes and insurance and applied my extra payments in a way that I do not authorize. I have called B of A on XXXX and asked for an investigation and they have never corresponded or even called back as they have promised. Since then I sent the payment for the property tax payment and my regular P & I. B of A has fraudulently applied my payment to double the normal amount of interest, some to principle, and only a partial payment to the property taxes. This is outright FRAUD. How could you they apply DOUBLE the interest from on time payments? 
Previously I waited several months for this to be resolved so I could refinance. Now that I am in the middle of a refinance to get away from B of A they will undoubted misrepresent the payoff amounts and try to keep money they are not entitled to. Bank of America can not be trusted to service a simple existing P & I loan.

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 monetary relief