vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
XX/XX/XXXX XXXX. 
XX/XX/XXXX XXXX XX/XX/XXXX {$450.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$13000.00} I have sent Experian 3 different letters asking them to verify these fraudulent accounts and to send me the original application with my signature. 
EXPERIAN was yet to do so. its been 105 days since I sent my first letter to them.

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 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/21, I visited the XXXX XXXX XXXX website and applied for credit. When I submit the application, XXXX XXXX said that I was denied by them but PRE APPROVED with XXXX XXXX  and sent me directly to complete the application. I complete the application and XXXX denied me. As a result of the misinformation and misleading lie that XXXX gave me about being preapproved, I ended up with two inquiries on my credit report and denied for both lines of credit. I would have never applied to XXXX had they not lied and said I was preapproved and since my credit was ran giving me the preapproval already, I did not think my credit would be ran again. I tried to find contact information for either company and could not.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
My account was cleared out by fraud and Key bank have not returned my money after 2 weeks. I am not responsible for this fraud yet they have charged me {$15.00} to replace my card. 
this is the second time in 2 months this has happened and I have been charged {$15.00} each time. The money from the first fraud was returned within 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX between XXXX XXXX there were multiple charges on my card from food companies and store companies that I never used or made purchases from. 

Once I noticed the card was missing I called and canceled it and also made a police report. The company Wisely says I made these purchases WHICH I DID NOT. It was over {$900.00} spent out of my account during this time for FOOD!! and 90 % of the food is out of state purchases. None of these company 's used my pin number for the purchases seems like online purchases. I dont know, just a guess on how this happened. I do not have accounts or associations with these company 's in anyway ever. Also its hundreds of dollars spent per day on fast food. I'm a YOUNG homeowner would never spend my money recklessly this way. 

These are the charges im not getting my money refunded for : XX/XX/20 XXXX {$25.00} 1XX/XX/20 XXXX XXXX {$31.00} XX/XX/20 PIZZA {$32.00} XX/XX/20 PIZZA {$35.00} XX/XX/20 XXXX  XXXX  XXXX {$53.00} XX/XX/20 XXXX  XXXX  XXXX  {$53.00} XX/XX/XXXX XXXX  XXXX  XXXX {$35.00} XX/XX/XXXX SP* XXXX XXXX {$84.00} XX/XX/XXXX XXXX  XXXX  {$140.00} XX/XX/XXXX XXXX  {$120.00} XX/XX/XXXX XXXX* XXXX  {$98.00} XX/XX/XXXX PX XXXX  XXXX {$37.00} XX/XX/XXXX XXXX  {$20.00} XX/XX/XXXX XXXX  {$25.00} XX/XX/XXXX XXXX  {$36.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$61.00} XX/XX/XXXX XXXX XXXX  XXXX  NY {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase Support Case # XXXX. 

I have been locked out of my Coinbase account since Friday, XX/XX/2021. I reported through their customer service channels that I lost my XXXX authentication and would need help from them to reset it. They initially responded to my customer service request by email on XX/XX/2021. I replied to what appeared to be a form response to explain to them further that I needed assistance resetting/replacing my 2-Factor authentication. They emailed again on XX/XX/2021 to explain that I would need to upload my identification and a photo into their system to verify my identity to solve this problem, but they did not provide a link or other means to actually do this. On XX/XX/2021, Coinbase Support sent me another email explaining other steps I should do to protect myself including changing my password and said that I should continue to reply to their emails to get further assistance. On XX/XX/2021, Coinbase Support indicated that a " specialist '' would look into my case. 

I have sent them numerous follow-up emails since XX/XX/2021, but have not received any further response once the " specialist '' became involved. I have also tried reaching out to Coinbase and Coinbase Support through various social media channels, but have failed to receive a response.

I have substantial value locked up in my Coinbase account and would like to regain access and control of my money. My Coinbase Support Case is XXXX # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 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 am very stressed out as I found accounts that are not mine. I do not recognize these accounts and can not understand why they are here in my credit report. Could you please make identification of this problem and check these items because I am very confused and can not understand what to do. I am worrying about my credit score as I am planning to move forward financially. Please after you check find out how I can resolve this situation with my credit score.

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 2021-05-04 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: FL

Complaint narrative:
I am very stressed out as I found accounts that are not mine. I do not recognize these accounts and can not understand why they are here in my credit report. Could you please make identification of this problem and check these items because I am very confused and can not understand what to do. I am worrying about my credit score as I am planning to move forward financially. Please after you check find out how I can resolve this situation with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I received a letter from Merchant credit guide on XX/XX/XXXX about a Medical procedure that was supposed done on XX/XX/XXXX. I wrote a validation letter to ask what procedure was done and the statute of limitations on this Alleged debt by Certified mail and I received another letter today asking for payment with no Validation. Im aware of my rights and HIPAA laws as well. I want Merchants credit guide to cease and desist all collections on this debt unless they provide what I asked for by legal right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have collection that appear in my credit report 4 month ago from amsher collection services {$300.00}, its about t mobile phone company from 2017, I return the item and it was for signal and I don't have use for it, it appear in the past from different collocation co and I dispute the error and it shows up again from different agency can you please help me to fix the problem and prevent them from using my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The ONLY time Experian responded to my request was to delete and address that I never lived at and they made sure to do nothing else. 
ALL my other complaints just linger. They put out an email stating their investigation has been completed and of course they ALWAYS find themselves in the right. However they can not be bothered to even do that instead they have a shoddy robot spit emails out almost the instant they " receive '' a complaint. They not only refuse to adjust my credit score back to it's XXXX where it rightfully belongs since in no way whatsoever did I do anything " wrong ''. Not only do they refuse to address just why XXXX has so much power but they removed the request for credit which was the cause of my drop in score yet they refuse anything has happened and their only response has been to the erroneous address and nothing else. Why don't you do something about these awful corporations who are a threat to us all?

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am in the midst of refinancing with XXXX XXXX XXXX. They have reached out to PHH Mortgage for a verification since XX/XX/2021. I have also called them for a letter regarding no forbearance on my account ( XX/XX/2021 ), was promised a turn around 24 - 48 hours, followed up with an email on XX/XX/2021 and XX/XX/2021 for a status. There was no reply.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$2600.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-05-04 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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I had a 36month lease with Honda financial. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time Honda contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new honda vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, XXXX  XXXX XXXX, but honda financial replies to them every time that the late payment fees are due. 

attached proof of the last payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, AND IN RESULT SEVERAL ACCOUNT HAVE BEEN OPEN UNDER MY NAME THAT ARE FRAUDELENT DISCOVER BANK # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a call from an individual claiming they represented Best Buy Credit Card, and their name was XXXX XXXX XXXX XXXX. The initial caller informed me I was going to be sued and my home taken and hung up when I explained I never had a card with Best Buy unless it was fraud. The number they call from is a toll free line of XXXX. I called back and was hung up on. I called Best Buy credit and verified I have never had any account with them. I can only get thru to the number by using friends phones as when I call they pick up and hang up. I can not find any collection agency or debt buyer under the name XXXX XXXX XXXX XXXX. I was only able to get the one ladys name and company name by calling from a friends line. XXXX XXXX, and the first time it was as XXXX XXXX XXXX XXXX XXXX. I believe this may be a scam as the initial phone call was so aggressive, if I did not have the education and experience in law, specifically debt collection law, I may have been bullied into paying. Threatening to sue me and take everything I own ( laughable ) claiming the debt was incurred in XXXX and never paid on, but not charged off until XXXX so I better get a good attorney. Threatening to garnish - like I said, the FDCPA violations were rampant. I was never mini mirandized, I was threatened with a lawsuit to collect a debt that never existed, sworn at, refused the name of the collector I was working with and refused the name of the company. I simply do not understand how they can prey on the innocent and they need to be stopped. Best Buy Corporate has been notified that the entity at the XXXX is actively using their name and threatening innocent people.

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 2021-05-04 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: FL

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, transunion & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments

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 2021-05-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, equifax, XXXX  & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, XXXX  & experian, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments

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 2021-05-04 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:
There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX  - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$21000.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX  XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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