vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for XXXX  is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XXXX XXXX of collection reported on my account/collection letter sent to me, National Credit Adjusters add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
The mortgage for our home was serviced by Loancare , LLC for the past year or two. Earlier this year we refinanced and our mortgage was moved to a new company. We have not received a refund check for our escrow balance from Loancare and have been unable to contact them despite repeated attempts over more than a month. 

Here 's a brief timeline : XXXX our last mortgage payment to Loancare XXXX the mortgage with Loan care is closed ( paid in full XX/XX/XXXX ) XXXX Loancare website notes 'EscrowRefundToBorrower ' ( no check or payment has been received by us ) XXXX - Throughout XXXX I attempt to contact Loancare via the phone # s listed on their website and through the ticket system on the website unsuccessfully XX/XX/XXXX - Automated response from website ticket system directing me to new phone number ( same as previous leads to phone tree that eventually disconnects the call ) XX/XX/XXXX - XX/XX/XXXX - I have made repeated efforts to contact Loancare via the email, website, and phone numbers. I have been unable to speak or correspond with a single person

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 2021-04-16 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: Shellpoint Partners, LLC
State: WI

Complaint narrative:
XX/XX/2021 - Shellpoint has confirmed that there would be no negative credit reporting, although they admitted to making the mistake of filing negative credit, but have now completed the corrections on the other two reports. XXXX  is still showing >120 late. Although confirmed that the forbearance could not be reported as negative credit, it has not yet corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
Coinbase ref : XXXX : ref PROBLEM NOT SOLVED Help request # XXXX Login XXXX The problem started when I tried to upgrade to Coinbase Pro and their system would not accept the correct access code three times, then locked me out.

When I opened and made my purchases on Coinbase I owned XXXX homes, my Homestead in XXXX and my vacation home in XXXX. I have since retired, sold my XXXX home, and moved to XXXX  full time. Coinbase has now closed my account because they aren't registered in XXXX. Under these circumstances I believe I met their requirements when I open my account and made purchases while living in XXXX. No where in their Terms of Service does it say if you move to XXXX, where they aren't registered, you will loss access and all your assets. That is exactly what they have done to me. 

At this point I have no access. They have informed me that my account has been closed because they are not registered in XXXX. 
They gave me no options to liquidate my assets. 
Also I was never asked for more then the 2 step text security access code to both buy and sell coins AND increase my limit to {$7000.00} from {$500.00}. So I had no idea there was a problem.

There is no live help on line or phone to ask questions.

Does just living in XXXX disqualifies me from keeping my account?

If so, where is that stated in Coinbase Terms of Service?

Where does it state what happens to your assets should one move to XXXX? 
THEY SHOULD NOT BE ALLOWED TO KEEP MY ASSETS. Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the XXXX XXXX and Experian regarding this and they still haven't remove these accounts from my profile. Also, there are a handful of credit inquires on my credit that i did not authorized. This is affecting me from getting my house for me and my kids. I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license

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 2021-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
i am having a problem getting a copy of my Equifax Credit file. My Lender has requested several times to get a copy of my report and each time they have denied a copy. I called on XX/XX/2021 and Equifax had me fax a copy of my ID and social security card and write a statement asking them to release all holds and freezes after been told to me that there are not any holds or freezes on my account. I have spent three days in a row calling to get to the root of the problem and everyone I speak too says there are no holds on my account and then my question to them is why cant my bank get a copy of my report and why I'm I not able to view it online there answer is always that they need to call the business line. My lender did just that and still wasn't able to get my report they told them to contact me to call Equifax. I again called XX/XX/2021 spend two hours on the line to be told the same thing I was told when I called on the before is that there are no holds or freezes. They told me that I could get a copy mailed to me but it could take 10-15 days. I told them that I have been waiting months and still I have not received the one I ordered in XXXX XXXX and they have my address correct because every time I call i have to answer the security questions and the address is one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
On XX/XX/2021 I contacted Nordstrom Card Services to place my XX/XX/2021 payment in deferred status due to COVID-19. They agreed, and my next payment was subsequently due in XXXX. Unfortunately my account is showing as 30 days late. I have never had a missed payment with Nordstrom, and was under the impression that COVID-19 related deferred payments should be marked as such and not late.

Nordstrom is refusing to alter the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Carvana Group, LLC
State: TX

Complaint narrative:
Contacted Carvana on or approximately XX/XX/2021. Explained that I had an open case with the XXXX County Sherrif 's Office in regards to someone using my personal information for identify fraud. Explained that I saw a hard inquiry from Carvana on my XXXX credit report and wanted to learn more at that time. I was told by that Carvana representative that they could not tell me anything over the phone and I would have to email XXXX and provide them with the case number. I emailed that email the same day and provided the Sherrif 's office number, the case number, and my contact information as well.

I called back Carvana XX/XX/XXXX, as I had not received any sort of communication. The Carvana representative asked me for a VIN for the car. I stated I didn't know what she was talking about and that I wasn't provided any information last time I called. She stated Carvana should have provided me with a VIN to attach in the email I sent. This VIN is for the car the person attempted to purchase with my information. I then emailed XXXX the same day and provided the VIN. They said I should definitely hear back by XX/XX/XXXX. 

I contacted Carvana on XX/XX/XXXX, and explained to the representative XXXX XXXX or XXXX XXXX of the ongoing issue and lack of contact. I explained that the XXXX County Sherriff assigned to my case was also have difficulty getting ahold of a human when attempting to call. I was placed on hold and when she came back on the line she stated " unfortunately there is nobody available to answer your questions. We don't have a fraud department. You will just have to wait until someone responds to the email '' I explained I had already been waiting and I did not believe anyone would reply to me. I asked to speak to a supervisor. 

After being placed on hold I then spoke to someone named " XXXX '' who claimed to be a supervisor. He stated going through email was incorrect and that I would have to send a physical letter to their Underwriting Office in Arizona if I wanted to learn anything else. I asked if Carvana could just provide relevant documents to the Sherrif 's office. He stated " I can't go over anything over the phone ''. I asked if Carvana kept any security footage so it could possibly be used to identify who was using my information. He said " I can't go over anything over the phone ''. I stated I felt like Carvana was intentionally obstructing an open investigation by refusing to even contact the police. XXXX sighed and said to write a letter, quickly said the address before I could write it down and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: PR

Complaint narrative:
I had an alarm service contract with XXXX in XXXX XXXX. They used XXXX  to provide the service. In XXXX I stop receiving the service. When I called XXXX  I found out they changed names to XXXX XXXX XXXX. I told them about the problem and they were not able to find my account. They found an old one ( many years back ), but never my current one. 
Since I was not receiving the service for about 8 months already and my account was no where to be found in order to cancel it, I asked the back to stop making the automatic payments. When the bank did so, XXXX XXXX contact me and told me I owed them that money that the bank didn't pay at my request. I told them about the situation and they said that i need to cancel in writing ( by email ) but first I had to pay everything I owed ( {$76.00} ). I paid the requested amount on XX/XX/XXXX. I then send the cancellation email and XXXX XXXX responded that the written cancelation was received. The account was then cancelled. 
Several months later I see that I have a collection agency, Mountain Run Solutions, impacting my credit report with charging me {$330.00} from XXXX XXXX. When I called they said that I didn't cancel in writing. My bank was making the automatic payments until the end. I payed what was requested from XXXX XXXX to settle my account and cancelled it. 
I have called XXXX, XXXX XXXX and Mountain Run Solutions ( the collection agency ) and non of them can help me they say. I am contacting CFPB, since I don't think this is a legal practice. I looked online and there are a lot of people just like me that this appeared on their credit without any notification first. 
Neither XXXX XXXX, XXXX, XXXX nor Mountain Run Solutions sent me any invoice of notification of charges before impacting my credit negatively. To me this is not fair nor legal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NY

Complaint narrative:
I am submitting this complaint as a formal request for investigation for fraudulent information that was found on my credit report. I am very concerned with TransUnion 's reporting. I want my financial freedom back and it is my right to have TransUnion 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 2. XXXX XXXX XXXX. Date : XX/XX/2020. 
3. XXXX XXXX XXXX. Date : XX/XX/2020. 
4. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 5. XXXXXXXX XXXX Date : XX/XX/2020. 6. XXXX, XXXX XXXX XXXX. Date : XX/XX/2020. 7. XXXX XXXX. Date : XX/XX/2020. 
8. XXXX XXXX XXXX. Date : XX/XX/2020. 
9. XXXX XXXX XXXX. Date : XX/XX/2020. 10. XXXX. Date : XX/XX/2020. 

I thank you for your help.

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 2021-04-16 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: TX

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this, day over 70 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
STATEMENTS NOT CREDITING PAYMENTS CORRECTLY AND NOT ABLE TO PAY EARLY ON MULTIPLE TIMES.DUE TO WEB ACCESS NOT. WORKING. THIS HAS HAPPENED THREE TIMES. VERY DIFFICULT TO REACH BY PHONE. CHAT NOTHING BUT AUTOMATED ANSWERS. REQUESTS TO SPEAK WITH MANAGER WERE JUST SOMEONE WILL CALL AND NEVER RECEIVED CALL. HAVE STATEMENTS PROVING ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: IA

Complaint narrative:
Hello my name is XXXX XXXX. Im writing this to delete the following information from my credit file. The items that I am requesting to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charges or changes. I ask that these items be deleted and updated in order to correct my credit file and protect my consumer reputation. These accounts and inaccurate information has been causing me to be denied by lenders. I ask that per FCRA Laws that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc.
State: IL

Complaint narrative:
Found Tri state adjustment inc located in XXXX XXXX XXXX  reporting on my credit report. I reached out to the company to provide a statement and copies of HIPPA form I signed. I was in question because I paid this dental bill from XXXX  off before I moved to XXXX XX/XX/XXXX. I did not move back to XXXX  until XX/XX/XXXX, but the service dates can not be correct on the statement. I requested a copy of any documentation I signed HIPPA a billing form for insurance anything. What I did get in the mail was my information, my families, dental insurance information, procedures and procedures codes. I never signed for XXXX XXXX to release mine or my childrens medical information and proof has not been provided. Also insurance was billed on dates. What is owed is XXXX for services provided for my husband on XX/XX/XXXX while he was still living in the state. XXXX did not fully investigate.

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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I contacted my current mortgage company, Mr. Cooper, to refinance my home loan. The mortgage broker stopped responding to me. So I decided to look for another company, XXXX XXXX. XXXX  requested a closing cost statement and was ONLY given the option for an expedited one. They were given no other options. With the expedited closing statement, Mr. Cooper then charged me a {$25.00} fee, even though no other options were given. XXXX  again had to request another document and again Mr. Cooper charged another {$25.00} fee. I reached out to them and they stated it could not be waived or refunded. But fraud was committed as XXXX did NOT request it to be expedited, nor were they given any other option to get the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: WI

Complaint narrative:
XX/XX/2021 - XXXX has confirmed that there would be no negative credit reporting, although they admitted to making the mistake of filing negative credit, but have now completed the corrections on the other two reports. Experian is still showing >120 late. Although confirmed that the forbearance could not be reported as negative credit, it has not yet corrected.

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