vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX B - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX BANK - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  XXXX CO XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I have a loan with XXXX and it is serviced by LoanCare. I went into a COVID19 Forbearance plan starting XX/XX/XXXX. My Forbearance was through XX/XX/XXXX. I was able to start resuming my payments XX/XX/XXXX. I applied for assistance to pay the payments missed during the Forbearance but I was denied XX/XX/XXXX. I appealed the denial and was denied again XX/XX/XXXX. I was required to pay the full amount to reinstate my loan or risk foreclosure. I submitted the final payment today, after struggling to come up with the money and borrowing. Being an FHA loan and a COVID19 Forbearance, I believe LoanCare should not have required me to pay the past due amount in full right away. I had to borrow the money and am now owing others money.

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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Dear madam or sir, I was trying to deposit CZK XXXX XXXX to my Coinbase Pro account which is denoted in XXXX. Hence, I used XXXX XXXX now just called XXXX XXXX to transfer the money XXXX EUR XXXX after exchange ). However, I forgot that Coinbase requires the account from which the money comes to be registered on my Coinbase account first. Once I noticed, I registered it and Coinbase rezognized it. However, they have never actually deposited the money to my Coinbase account. 

I have continuously filed many complaints through their platform in which I described the problem in detail. I always got an answer that the issue was either solved or that they are still looking for it after which they just sent a generic email that if I still need a support I should contact them. I always did, but still nothing happened after many months. 

Please find attached the report of the transfer from XXXX and the screenshot of the complaints I filed to Coinbase. 

I really hope you could help me. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: SC

Complaint narrative:
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

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 2021-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out XXXX room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance XXXX, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
The account with COMENITYBANK/XXXX  account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my XXXX  Credit. I have notified both parties COMENITYBANK/XXXX as wells as XXXX  and explain to them that i have no association with this account. When i spoke with XXXX  i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that Comenity Bank remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is a account on my credit report with Synchony Bank /Pay Pal which I have no knowledge about. I have never had an account with PayPal Credit. I have called and spoke to many people and no one can give me any information about this account except to say it looks like fraud. I have disputed this with the credit reporting companies and from what I understand that's all they do is verify account name address and personal information, they don't ask or verify whether or not the charges are legitimate or not. 
I have no knowledge of this account and it's difficult to obtain any information on the charges for this account. Also, if I may state this company has two accounts on my credit report with the same information.Thanks

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
I have a debt collector show up on my credit report Convergent outsourcing. I have send 2 letters requesting they verify the debt because its for XXXX. Well I'm a current comcast customer and my bill is autopay and has been for years so I doubt the {$1000.00} is mine. I've disputed it on my credit reports and it just says updated never any proof that it is actually mine. I've never gotten a response to my letters with the verification that it is mine Either. I just want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My identity was stolen and two credit cards and a security system was placed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My loan refinance started XX/XX/21 and the company still has not closed XXXX. I have made several calls, emails, and even stepped in to try to expedite the process due to lack of consistent commitments, not correctly notating information I have provided multiple times. I have been handed off to multiple individuals during this process. No my rate is going to expire and they want to charge me additional fee due to their lack of correcting errors that are not done on my part. I believe they just trying to extort more money from me by stalling on the closing process. I have asked how much these fees will be multiple times and never given an actual answer. I have asked to have my reps supervisor call me and never given a person and a fellow associate calls me after I was told she was a supervisor by the rep for the company prior. She could not help me just reverted back to the standard I am sorry for your inconvenience card and stated she called me to verify information I had provided in an email prior. I have attempted to call and been put on hold for 47 minutes plus. I have emails and screen shots to back up my statements. 

Respectfully,

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 2021-04-09 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: FC HoldCo LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX Flagship XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.

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 2021-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have contacted Synchrony bank/Amazon on several different occasions. 
I closed the original account after the balance was paid. Amazon charged a membership fee and a new card was opened with the membership fee - I asked for all the statements.after reviewing all the statements, I found the membership that i did not authorize. 


I paid the membership fee and was advised all the fees and interested would be credited. 
I received a statement for the month of XXXX with new interest fees and late fees. I contacted the company once again requesting this again. After researching I found this is a common practice. I have never received the cards nor have I made any purchases after my initial charge. 

how is this possible legal?? and this is reporting a negative on the my credit report. lowering 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 monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
My problem is with Coinbase. They have not given me any information on where my 8,000+ in Bitcoin has gone. I went through their process of self ( no ) help. I got my account back open after having them shut it for fear of a possible scam. There is only a little over XXXX there now. When I look up the section on orders I see activity thats is not mine. Some amounts of transactions are over XXXX. I now think they messed it up when I tried to make a transfer when my bank funds were still on hold. I think they mixed up accounts or something. 
I am sure I dont have to explain how poor this company is in solving these kind of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I stopped paying my Aspire credit card due to the loss of wages resulting from the pandemic. I was starting to somewhat recover and decided to contact the credit card company and they agreed that they would lower my minimum due ( Orig. $ XXXX, after pandemic $ 235+ ) I was shocked that they were expecting me to pay that much considering the circumstances. I called and spoke with a gentleman who assured me that my minimum would go back to normal in 24 hours. I checked my account and nothing changed. I didn't think anything since I was told to be patient. I starting making payments - what I was able to which was $ XXXX. sometimes more. My minimum payment due keeps increasing and the fees keep piling up. Instead o my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: GA

Complaint narrative:
On ( date provided in letter ) I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: WI

Complaint narrative:
The account with XXXX account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my Experian Credit. I have notified both parties XXXX as wells as EXPERIAN and explain to them that i have no association with this account. When i spoke with Experian i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that XXXXXXXX XXXX remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: AZ

Complaint narrative:
XXXX Transunion XXXX XXXX XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.

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