vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: LA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I sold my bitcoin. Actually I sold XXXX of my bitcoin. I purchased it in XXXX through an agency called Coinbase. The selling price was {$9700.00} on XX/XX/XXXX. Today is XX/XX/XXXX, which makes it the 16th business day, and after numerous E-Mails of inquiry, I still have not seen this money deposited to my bank account and no response from Coinbase. The Reference Code for this transaction is XXXX, and the amount after their fees is {$9600.00}. I took a screenshot of the transaction which shows " complete ''. I can attach this document if necessary. The problem with Coinbase is that you can't talk to a person. All correspondence must be by E-Mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 at XXXX XXXX I received a Chase fraud text message asking if i tried to withdraw {$800.00} from my account which i texted back with no. Chase then texted me back with ok that they will close my card and send me a new one, i then logged into my app and locked my card just in case of any further fraud activity. I then like at XXXX XXXX unlocked my card to use my apple pay at XXXX XXXX XXXX for an amount of {$66.00} dollars and then when i noticed my account was deducted {$700.00} from XXXX XXXX XXXX XXXX which is a chase bank. I immediately called chase and notified them and they started and investigation. They credited me back my {$700.00} so i figured chase was on it i then check my account today XX/XX/2021 and chase declined my claim claiming that they denied because my card chip and correct pin was used and they were no wrong pins entered to me thats ridiculous because i had just received a message from them of a fraud attemt and they approve a {$700.00} withdrawal without any notification when earlier in the day i had already been tried to be scammed. i now getting law enforcement involved to see who used my card and thats why cameras are placed on the ATMs. Its not fair fair for ua to lose our money and for a bank institution to just make a decision off of them not getting my pin wrong any times when I clearly texted them in the morning that i was already trying to get scammed in the morning for {$800.00} when I received a text why wouldnt they text me again asking of i tried withdrawing {$700.00}?? It might not seem a lot to a bank but it's a lot to a family especially going through a pandemic. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am writing to dispute the following information in my file : <Item 1 : I C System, XXXX XXXX, Collection opened date : XX/XX/2020, Balance of {$610.00} incorrect. I filed to have this item disputed and it hasn't went away yet. 

The item I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that this item be <deleted / adjusted/ removed from my credit history> in order to adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.

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 2021-01-25 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: DISCOVER BANK
State: CA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XX/XX/2014 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Paid off a {$410000.00} mortgage with {$410000.00}. This discrepancy arose due to the length of time it took to close the mortgage. 2 months later, the old servicer ( Specialized Loan Servicing ) is claiming they do not owe the difference and my account balance shows {$0.00} rather than being negative. 

In addition, this servicer ( Specialized Loan Servicing ) has repeatedly failed to issue a {$630.00} escrow refund check from 2019. 

I do not feel that SLSs escrow statements or mortgage statements after refinancing are in compliance. There is no clear breakdown anywhere of where the aforementioned funds have gone.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been furnishing my information without the written instructions of the consumer which is me in accordance with title 15 usc 1681 ( b ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is stopping me from obtaining credit.

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I tried contacting the National Credit Adjust and also sent a certified letter to Credit bureau XX/XX/XXXX. By lawXX/XX/XXXXhas to confirm the validity of this alleged debt with 30 days or delete it from my credit file. I have a copy of this certified letter and it is dated XX/XX/2020. Today is now XX/XX/2020. I have not heard from either company. Both companies are past the 30 day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: OH

Complaint narrative:
This is now my 3rd time reaching out about an issue. XXXX XXXX is continuing to report inaccurate information. Not for sure why, but my last request said that I wasn't clear in my reply. I'm pretty sure that I was VERY clear as to what the issue was. I will copy and paste that info here : what I sent in on XX/XX/18 : This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests. 

I am now asking you to remove this account. I have been asking for months to have this information report accurately or to remove. I am on the verge of considering seeking counsel for this issue. it's very clear they have no desire to abide by the laws and report this information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The payoff statement dated XX/XX/2020 from Ally indicated a per diem interest of {$65.00} and a payoff statement preparation of {$30.00}. In a letter dated XX/XX/2020 Ally provided a reconciliation of the final payment which included {$60.00} for the payoff statement fees and {$7800.00} for the interest from XX/XX/2020 to XX/XX/2020 ( date of the loan payoff ). Interest should have been {$7800.00} for the period of 120 days from XX/XX/2020 to XX/XX/2020. Payoff statement preparation should be included in the normal cost of doing business. However, Ally should abide by the fee stated in the payoffs statement dated XX/XX/2020 of {$30.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP if this is not removed!

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 2021-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: C & E Financial Group, Inc.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX XXXX veteran after serving in XXXX in XXXX. I was XXXX XXXX in XXXX. Today, my XXXX-old son is a XXXX  in the XXXX XXXX stationed in the west coast. He and I know all about doing the right thing when no one is looking. 

After attempting to refinance my VA home loan with the above-mentioned broker, it has come to light that they do not care about doing the right thing when no none is looking nor do they care about doing right by our military veterans. 

XXXX XXXX is an agent of mortgage broker, C & E Financial Group , Inc. DBA Vintage Lending. XXXX XXXX is the owner of Vintage Lending. In XXXX of XXXX, with my explicit consent, Vintage Lending refinanced my VA backed mortgage from 6.25 % to 2.75 %. As a XXXX XXXX XXXXXXXX veteran, I am exempt from different fees, including property taxes. 

On XX/XX/XXXX, I emailed XXXX to inquire about the refinance interest rates he was currently offering to which he replied 1.75 %. I did not hear from XXXX until XX/XX/XXXX, when I emailed him asking about a hard credit inquiry notification I had just received. A hard credit inquiry I did not give explicit permission for. I explained to XXXX that after calling XXXX XXXX at XXXX, they explained to me the hard credit inquiry was processed by C & E Financial Group of Utah. XXXX then calls me and explains that he helped himself to my social security number by searching my file, typing my social security number into his computer and processing a hard credit inquiry. Misleading and unethical business practices. 

In the legally obtained recorded phone call, XXXX admits to his misleading, unethical, reckless and unauthorized business practices. He also mentions that if I refinance with them again, I would not be charged any fees because I am XXXX XXXX XXXXXXXX. The thing is, I was XXXX XXXX XXXXXXXX when they refinanced me the first time and I was charged over {$5000.00} in fees. It sounds like their VA loans need auditing to ensure our veterans are not being taken advantage of. 

Resolution sought : This mortgage broker should be investigated by having all their VA loans audited and disqualified from processing anymore VA mortgages.

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
when reviewing my XXXX XXXX account I noticed that there was a credit report from XXXX for the amount of XXXX. I called XXXX to see what this account was in reference to, they stated this was a cell phone bill, Which I have never has a cell phone with XXXX that was not pre-paid. they stated it was short term account I ask if they had my signature or Id on file they stated they could not give me no information because they transferred the collection over to Jeffery Capital System lLC. They gave me the number. My first attempt was to despute on XXXX XXXX which they denied. I than Reached out to Jeffery Capital on XX/XX/XXXX to try and resolve the debit, Because I am working on my credit score to purchase a home. I spoke with XXXX who stated that they could reduce the Bill to XXXX dollars if paid in full, I requested that they send me a letter with the company letter head stating if I was to pay this Debt in the amount of XXXX they would take the collect of XXXX off of my credit report. The response I got was " we are unable to do this. '' I did not at this time feel comfortable paying this amount without it in writing, providing that I do not believe this was my debt in the first place. 
On XX/XX/XXXX I tried calling the Company again to settle the debt once again because this is affecting my credit score, I spoke with XXXX Who stated that the debt was no longer with them, she would give me another number to call. Which I was never notified that this has been transferred. On my credit report it has Jeffery Capitals system LLC as the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 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: LEXISNEXIS
State: TX

Complaint narrative:
I requested my report on XX/XX/2020 via email and mail. I never received the report. I again asked for to be sent to me on XX/XX/2020 and still have not received ANY communication from LexisNexis. They are violating my rights to my free report. I attached the emails I had sent to the address they have published on their website to request your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried giving this company the benefit of the doubt, but they are still harassing me over a mistake that they made. I sent the bank showing that there was never a return to sender for insufficient funds on my account. They lied and said there was. Also their argument is that if they didn't receive the last payment of {$610.00} then I should've contacted them and sent it to them. I started to them on numerous phone calls that I never knew that they didn't take an automatic payment out of my account because I received my title and a letter stating that I fulfilled my settlement agreement with them. Instead of them recognizing that they made a mistake, they are persistent in making seem like I made the mistake. In reality, they are completely wrong for not taking the automatic payment from my account. I had well over {$2000.00} in my account the entire month of XXXX so it's not my fault they didn't take the automatic payment. I don't control how they take the payment out so therefore I'm not at fault for that. Instead of them realizing they were wrong and admit, they are calling me harassing me about owing them {$7000.00}. The amount of the entire loan. This is unfair business tactics and I shouldn't be subjected to this type of harrassment. In fact, it doesn't make any sense of my behalf to NOT make the very last payment on a settlement agreement. It makes no sense at all. Instead, they are trying to force me to agree to paying them {$7000.00} the remainder balance of the initial car loan. I feel they need to be reported to You and the XXXX for unfair and dishonest business tactics. I also wish you would subpoena them for the recorded phone conversations that they have on file, so that you can hear, what all was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CA

Complaint narrative:
Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.

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 2021-01-25 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: CA

Complaint narrative:
Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NV

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I want this removed ASAP!

Company response to consumer: Closed with explanation