vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
A company called " Southwest Credit '' recently sent me a letter, dated XX/XX/XXXX, claiming to have been authorized by XXXX to collect {$270.00} from me for a " debt owed. '' ( I closed my XXXX account and paid the balance in full about 4 or 5 years ago so I could change my cell phone service to XXXX XXXX XXXX ) In the letter, Southwest stated that they would settle for 45 % of that amount. They stated that I needed to respond within 30 days. I did not respond. On XX/XX/XXXX, they put collection accounts on my XXXX and XXXX credit reports, lowering my credit scores drastically. This is the fourth time I've had to contact the credit bureaus to dispute and remove this false, fraudulent charge from my credit reports -- each time placed by a different fraudulent " collection '' company, and each time for the same false charge. When I called XXXX, they said that I do not owe them anything, that my account was paid in full, and that they have never heard of Southwest or the other companies that have tried to collect this false, fraudulent charge. XXXX told me on XX/XX/XXXX that they see in my file that I have disputed and removed this fraudulent collection account a few times before, and that they have already verified before with XXXX  that my account balance is {$0.00}, paid in full. I disputed the charge with XXXX and XXXX and am awaiting the results -- again! In my opinion, what these dishonest " collection '' companies are doing is extortion, and they are criminals. I need your help to prevent them from selling this phony charge to another company who will try it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
They collected all of my information. Loan officer XXXX XXXX refuses to give me a loan estimate. I already got credit damage becayse they checked my credit report but they did not give me a loan estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc.
State: DC

Complaint narrative:
On XX/XX/2021, I used my Coinbase Card ( issued by XXXX ) to purchase gasoline at a XXXX XXXX retail location in Washington XXXX DC. XXXX, as issuer of Coinbase Card, withdrew a {$100.00} bank hold for the transaction, which ultimately totaled {$43.00}. Despite this transaction occurring over a month ago, XXXX has not settled the transaction and still holds my entire {$100.00}. I confirmed with XXXX that it is indeed not their system that placed the hold but rather XXXX. I have contacted the customer support of Coinbase Card ( since they administer the account ) via phone 5 times and via email at least 10 times since XX/XX/XXXX, most recently today on XX/XX/XXXX. Coinbase Card customer support has either been uninterested in or too incompetent to resolve this issue in the rare instance that my calls or emails are responded to, the responses I have received are " this is the responsibility of a different team ( whose contact information we can not provide ) '', " please call back another time '', or other responses completely irrelevant to my problem. The result is that XXXX, through Coinbase Card, has effectively stolen {$56.00} from me. I have gone above and beyond providing information and exercising patience. It is clear that XXXX, through Coinbase Card, has committed theft of my money through a disingenuous bank holding process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Intelliloan, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX we contacted Intelliloan in XXXX XXXX and spoke to a XXXX XXXX XXXX XXXX phone XXXX in regards to refinancing and existing home loan.We had originally spoke with a local mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ca XXXX XXXX that we had a {$66000.00} debt we owed from a charged off HELOC.which was subsequently sold to XXXX XXXX XXXX.Her underwriter could not include this amount in the refinance unless it was paid first, as it was showing no payment history since the debt collection company, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX no history of payment since they bought the loan As we had already paid the {$500.00} appraisal, it was REFUNDED to us, as she could not do the loan and the appraisal was not done.At that moment we did not have the funds to do that so we tried Intelliloan, In speaking to XXXX XXXX.I explained the situation and at that time he assured me that he could do the refinance.After paying {$470.00} for the appraisal, XXXX XXXX notified us that his underwriters also could not include it, after promising he could.So at that time onXXXX we mutually cancelled since he broke his promise After contacting friends and family, were able to get enough funds to pay the {$66000.00} and went back to our original mortgage person XXXX at XXXX XXXX XXXX.She contacted Intelliloan to have the Appraisal transferred to her to use and they refused.I feel this was a bait and switch, as they wont return my phone calls as well.At this point I would for the appraisal to be transferred to XXXX to use for my current loan approval or a refund of the {$470.00} appraisal fee, as I feel XXXX should have researched our problem more thouroughly before saying he could do the loan.We feel that this is just bad business done by a large company that does not care.Our initial mortgage brokerXXXX XXXX XXXX, told us to wait until Intelliloan approved the loan before paying for the appraisal but we were told that it needed to be paid prior, which we did and then after paying it on XX/XX/XXXX XXXX XXXX told us that the loan wasnt going to work without the {$66000.00} being paid first.We feel that XXXX XXXX should have made sure we were fully qualified for the loan before he said he could do it and that since he did not we should either get the appraisal released or have our {$470.00} apraisal fee refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XX/XX/2022, I applied for the XXXX XXXX XXXX Credit Card from XXXX. 
On XXXX XXXX I received a notice of rejection from XXXX, which mentioned that I may receive a free copy of the report that TRANS UNION provided to XXXX if requested within 60 days. 
After reading the letter on the same day, I attempted to do so by searching on TRANS UNION 's website, to include creating an account on their website. 
As part of creating the account, I provided the card number and security code for a separate charge card I already had. TRANS UNION then charged {$27.00} to that card. There was no mention or indication that I would be charged anything for simply creating an account ; had there been, I could have reasonably concluded that this is not the correct way to obtain my free report I'm entitled to under the Fair Credit Reporting Act. I was unable to find any information on the public facing ( i.e. not paid for ) TRANS UNION site about how to obtain my credit report ; after being logged in, I could find it, though with considerable 'digging '. 

TRANS UNION and other credit reporting bureaus should make it plain how to obtain the free credit reports customers are legally entitled to after adverse action. Additionally, it should be plain and obvious that someone will be charged and how much they will be charged on their credit cards. TRANS UNION utterly failed in both of these respects.

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
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX  Credit Card ( sold to XXXX XXXX XXXX. I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted XXXXl XXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX ( sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX  has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.

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 2022-01-19 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX  Credit Card ( sold to LVNV Funding ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX ( sold to LVNV Funding ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. LVNV Funding is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to LVNV Funding and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX  has deemed the account fraudulent and that LVNV Funding shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from XXXX regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

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 2022-01-19 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Have 4 accounts with incorrect payment status. XXXX has already corrected, and XXXX shows a processing status. Submitted disputes and followed up 4 times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX ). The online dispute system shows a confirmation upon submission, but disappears the next day. Contacted Dispute Center over phone and they confirmed they do not see a dispute submitted. Nor can they accept supporting documents for stated dispute. And I can not add them after they accept the dispute over the phone, as once they associate submits the dispute, it is locked. Their dispute system is effectively broken for anyone with supporting documentation, which should actual help the dispute.

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a business owner and applied for a PPP Loan in XXXX with my bank ( Bank of America ). After receiving a deposit for a little over XXXX I used every penny of it on my staff 's payroll. At the time the application was submitted I had XXXX employees. After I submitted my forgiveness application I was told I did not qualify for 100 % forgiveness. They were only going to forgive approx XXXX of it. This has left me a XXXX + payable that has all been legally spent on payroll. I was told by Bank of America that they overfunded me and did not realize that I had more 1099 's than W-2 employees. I put the entire staff on as w-2 employees the minute that I received the money. I have reports stating the use of funds. I had no idea that the 1099 payroll would be a problem, but as I stated, they all went immediately to W-2 which puts money in the state and federal government 's hands with the payroll taxes that I paid and the employee 's have paid along with other employee related expenses. I have asked my banker for almost 2 months to send me the loan documents that were submitted at the time of the loan and he has not been forthcoming with these documents at all. I was happy to receive the loan considering the immense uncertainty that took place at the onset of Covid-19. I did not know if we would be in business or shutting down. When the loans came out there was a strict deadline by which the money could be used, so I gave everyone raises to the point that the money would all be used by the deadline. Halfway through the higher payrates, the deadline was extended. I did not reduce the amount of payroll. I maintained a much higher pay rate for my employees and at the time that all loan money was used, I lowered all payrates back to their original amount. I have tried to work with the SBA and my bank to plea my case, but all they seem to care about is the payroll reports for XXXX. I need someone to forgive 100 % of my PPP loan based on what the money was used for. I was overfunded and that was the SBA/Bank of America 's fault for not actually looking at they payroll reports from XXXX. Now I'm in huge mess with this outrageous/unnecessary amount of loan money to pay back that my company simply can not afford. This loan was meant to help business stay in business and pay their employees ... .that 's exactly what happened and now they want me to pay it back. I have already started making payments. This is going to cause me to lay people off and cancel any plans for growth and possibly bankrupt a business I started in my garage in XXXX 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 monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, A stranger logged into my account and ordered merchandise without my knowledge or permission. When I noticed this the following day, I called Kohls to stop the shipment because XXXX had not received it yet at that time. I explained to them that this was a fraudulent charge and to stop the shipment, but they did nothing even though they had every opportunity to do so due to the fact that they still had the merchandise. I filed the fraud charge and they still have not investigated it or removed the charge from my credit card. They said this may take 60 days! That would cause me to have late fees, interest charges and it could affect my credit score by having a higher balance on the credit card. They put a restriction on my account because of the fraud and i am unable to order merchandise without contacting them and I called them. Even after contacting them because they said that they were not able to verify my phone number, I am unable to place my order. The merchandise that I want to order can only be ordered online and not in the store. This is a huge headache and no one there will do anything to help. Most of the time when I have requested a supervisor they refuse to transfer the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Over the last several years, XXXX, XXXX, Transunion has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX XXXX XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXXXXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.

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