vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian reduced my credit score six times in one month, yet fails to reflect that I paid off {$9000.00} of CC debt over the last month. This is not a level playing field. Additionally they have me listed as XXXX 'Fair ' credit while XXXX XXXX ( historically a tougher measure ) lists me as XXXX 'Good ' Credit. 

If Experian ( or any of the bureau 's ) is going to SUBTRACT from my score multiple times a month then they also must reflect the POSITIVE aspects of my credit worthiness multiple times a month. Curiously ONLY Experian did this. My attempt to contact them to discuss their uneven playing field resulted in stonewalling. the excerpt of that chat is below. 




Please wait while we transfer your chat to the next available agent. 
Virtual Assistant Unfortunately, there are no agents available at the moment XXXX XXXX  Pst.. are you still there if you do not respond in 1:30 seconds your chat will be disconnected. 
XXXX XXXX  Me respond to whom? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me who programs your chat? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you dropped my credit score six times in one month yet FAILED to recignize that I paid off {$9000.00} in CC debt. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me you do not understand anything. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are stupid. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me representative. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me operator XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me manager XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me human XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me agent XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are as stupid as your programmer. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me I concur. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me what do you understand? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me clearly. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal investigation XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal Trade Commission XXXX XXXX  Virtual Assistant Sorry, I didn't understand 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 2021-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: NJ

Complaint narrative:
From : XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX Subject : XXXX : Docket Number- XXXX : - XXXX XXXX ID : XXXX Case Number- XXXX Account value : {$580.00} Late payment costs : {$100.00} Interest cost : {$63.00} Total Debt : {$750.00} Your unpaid debt amount of {$750.00} to XXXX XXXX XXXX ( Speedy Cash ) from today we have passed your case you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible to court. So these legal proceedings were issued on your docket Number XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is all about a payday loan which was borrowed by you from one of our sub payday loan companies. There are so many payday loan websites like XXXX XXXX XXXX, XXXX  XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and so on. You have logged on to one of the sub payday loan websites and given your identity proofs, Banking information, personal information to borrow loan. 


As you are aware the above account remains unpaid by you. Despite numerous reminder telephone calls requesting payment of this account but we were unable to reach you by phone so we can send you a final reminder email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I'm filing an official complaint against Experian Credit bureau for their refusal to comply with the law. I have documented letters dating as far as XX/XX/2021 requesting an investigation of my credit file they maintain on me. This organization has " No '' regards for the law whatsoever. They have caused me harm and I have suffered a setback because of their failure to correct inaccuracies on my credit report. I was denied a much needed car loan, which would have allowed me the opportunity to travel back and forth to my job. I'm requesting your help in my situation at this time. Please respond to my request at your earliest convenience,

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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I shopped around when trying to refinance. XXXX, XXXX XXXX, Amerisave, along with 2 others ... Amerisave had the best APR. So I started the process. {$500.00} application fee? Ok, figured I'd save that with the difference in interest easily. Loan originator told me " that's why I love my job, to beat the rates and compete with the big guys. '' In hindsight, they probably train them with that line. 2 months later, after they were terrible getting back with me via email or phone, they denied my loan due to DTI ( debt-to-income ) being " just off. '' I was refinancing to consolidate some debt. You would think that they may actually offer to adjust the numbers to make the loan work and have a new customer, but NOPE they just simply said " I'm sorry we couldn't make it work. '' Makes me think they are a scam company! Conservative figure of " processing '' XXXX applications a month at {$500.00} a pop ... XXXX XXXX XXXX that's a Mil right there. 

And I noticed that your Bureau fined them for the exact same thing back in 2014. They paid the fine and are continuing with the bait and switch fraud scam!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
I had been buying bitcoin from Coinbase early in the year on a few occasions. On Monday XX/XX/2021 around XXXX, I was transferring all my bitcoin ( BTC XXXX about CAD XXXX ) from my Coinbase wallet to my newly bought XXXX XXXX XXXX After the transfer, my XXXX XXXX XXXX only received BTC XXXX ( CAD XXXX, the same amount being sent out by Coinbase ). My Coinbase account became XXXX and my transaction history has also been erased. CADXXXX had vanished in this transaction. I complained to Coinbase to no avail although they did put back CAD XXXX into my account later. I also complained to FTC and they sent me an email with a reference number on XX/XX/2021, but I haven't heard from them since. To me this is fraud as I can prove that Coinbase had been receiving money from my bank account on several occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Recently, a collection agency named XXXX XXXX started reporting an $ XXXX collection on my credit report. I have no clue what this could have been, because I have never has an unresolved debt of this magnitude. And before this account showed up on my report, they never tried to contact me about it. I was under the assumption that they were required to contact me and give me an opportunity to contest a potential collection before they report it. I certainly would have done that, but I was never given the opportunity. I have since contacted this collection agency directly to complain, and ask for further explanation about this phantom debt. But there representatives are very rude and tell me that they don't have to give me that information.

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 2021-08-12 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: MA

Complaint narrative:
JUST GOT AN EMAIL SAY THEY FINISHED A DISPUTE ( LATE BACK IN XXXX ) HAVE UNTIL XXXX TO DOWNLOAD IT ; CAN NOT DOWNLOAD THE DISPUTE # XXXX AROUND AND AROUND THE SITE TAKE 'S ME AND NOTHING! 
THIS IS A JOKE BUT I AM NOT LAUGHING! 

PLEASE ADVISE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC
State: OH

Complaint narrative:
My car was totalled. Was not my fault. The insurance company paid off the total amount that was left on the lease to buy contract. The amount owed to autotrakk llc was {$6900.00}. They were paid {$10000.00}. I was supposed to get the difference of {$3300.00} but now they are saying they are keeping the extra money and will not give it to me. Everyone even my insurance company is telling me they can not do this because my total amount to pay off my lease was only {$6900.00} but they will not give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
This item is not mine and I do not have nothing in common with this account. ITs not mine and I d not want to see this item in my credit report. I do not recognize it and suddenly it appeared in my profile. I ask you to investigate howcome I have it in my profile. And who could use my personal data. And of course remove it after you check.

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 2021-08-12 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: PA

Complaint narrative:
NEVER LATE FCRA VIOLATONS : Account info Account name XXXX XXXX Account number XXXX Account type Credit card NOT MINE : FCRA VIOLATIONS : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} Status Collection account. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$210.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$80.00} Status Account charged off. {$80.00} written off. {$80.00} past due as of XX/XX/XXXX. 
Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential

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 2021-08-12 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Millco Management
State: NC

Complaint narrative:
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: OH

Complaint narrative:
Recently I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number be updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : PROFESSIONAL BUREAU OF COMPANY XXXX #, XXXX XXXX # XXXX, XXXX XXXX XXXX ( MEDICAL ) # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, U.S DEPARTMENT OF EDUCATION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: PA

Complaint narrative:
NEVER LATE FCRA VIOLATONS : Account info Account name XXXX XXXX Account number XXXX Account type Credit card NOT MINE : FCRA VIOLATIONS : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} Status Collection account. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$210.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$80.00} Status Account charged off. {$80.00} written off. {$80.00} past due as of XX/XX/XXXX. 
Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Spoke with a representative at capital one and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of 2021. I was experiencing XXXX  and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that capital one honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Hello, I have sent several attempts to have the collection agency to validate the debt. The agency has failed to provide the correct documents in order to validate the debt. Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021. And I am not receiving the information requested. Only the same letters stating " This is an attempt to collect a debt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to you today regarding the following accounts with Synchrony Bank : - Syncb/Banana Rep XXXX. Credit limit : {$4000.00}. Date opened : XX/XX/XXXX. 
- Syncb/Amazon XXXX Credit limit : {$100.00}. Date opened : XX/XX/XXXX. 

There are some incidents that even if we dont want, have a big impact in all areas of our life, including the financial life. This is what happened to me a couple of years ago. I was in an accident, and fell behind on bills, and was put in therapy afterwards. Id be able to provide proof of this accident. 

I continued with my life but the consequences this experience caused are still around. Ive been working so hard to accomplish one of my biggest dreams and get a house. However, these accounts are causing me a big issue because I havent been able to make my credit score increase. 

I am a loyal and happy synchrony customer, and I am requesting the two accounts to be removed. Sometimes falling behind on a bill is just one more damage of a bigger fact. I am just trying to get a fair solution to this issue and I hope Synchrony can hear my story and help me. 

Thank you

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 2021-08-12 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: MoneyLion Inc.
State: MS

Complaint narrative:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and Money Lion reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called MoneyLion and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

Company response to consumer: Closed with non-monetary relief