vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: VA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate 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 ), 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 as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
In early XXXX we received notification that our tax collector. I made phone calls XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. On XXXX I spoke to an escalation manager by the name of XXXX and was instructed to forward copies of our bills and notices to him, after several attempts of emailing these items they were finally attached to the correct account. I was then told that a payment was sent on XX/XX/XXXX in the amount of {$1600.00} was mailed but not received by out tax collector. I have not received any proof of anything being paid or anything corrected. 

On XX/XX/XXXX I spoke to an escalation manager who informed me that the taxes have not yet been paid. I am hesitant to believe that this will be taken care of before my credit would be harmed on XX/XX/XXXX. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis responded to my initial complaint that they verified that the bankruptcy is question was reporting accurately via XXXX. 

However XXXX records  and the records that lexis nexis is verifying with the credit reporting bureaus are in fact still inaccurate and inconsistent and does not reflect XXXX  records. 

The assets amount, and liability amount and the exempt amount are reporting inaccurately and does NOT match the records. 

I believe that no reasonable investigation and occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/21 Sears/Citi Bank Mastercard e-mailed me a Fraud Alert, that my credit card has been used at a XXXX  Station in XXXX FL XXXX It asked me if I recognized the charge, and after verifying that this was a valid e-mail address, I clicked on XXXX. I got a message that my card would likely have to be canceled and reissued. I have not used it since. 
I later found out that on or about XX/XX/21, that Sears/Citi Bank had phoned some of my family. They had no right! I am over XXXX, they cant do that. Ive been trying to get them to stop for decades. 
In addition, upon logging into my Sears/Citi Bank online account on XX/XX/21, I found out that there is very clearly listed a cease and desist on my account, preventing Sears/Citi Bank from phoning anyone regarding anything, let alone calling people who are not listed on my card. Sears/Citi Bank is in violation of the cease and desist, again. 
I drove to the library on XX/XX/21, I found out that Sears/Citi Bank no longer has a secure message server online. I was forced to use their chat. It must be a very poorly programmed bot, because if an actual person is that incompetent and rude, they should be institutionalized for the protection of the population. I was beyond frustrated. This should not be so difficult. 
On XX/XX/21, I replied to the Fraud Alert e-mail, asking, Do you have the video of who used my card #? Will you be prosecuting? I never received a response. 
On XX/XX/21, I logged into my Sears/Citi Bank online account again, but there was still no response to my XX/XX/21 chat entries or questions. I tried again, but the chat would not answer me, it just kept demanding that I ask them questions, questions that they will not respond to. I did a notice message for me, outside of their chat option. It stated that my card had been canceled, and that I would be mailed another one. 
On XX/XX/21, I replied to tSears/Citi Banks Fraud Alert e-mail a second time, with an attachment. I never received a response. 
Its been XXXX days, XXXX complete waste of time chats, XXXX unanswered e-mails, since my credit card reported fraud to me, but I still dont have my replacement MasterCard. 
My friend had a canceled credit card at work due to fraud their credit card company XXXX XXXX them a replacement within XXXX hours. Why is this taking so long?

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 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, authorize TRANSUNION LLC to move forward with this complaint. To my understanding of the law TRANSUNION LLC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. This would mean that it is illegal for TRANSUNION LLC to be reporting payment history as that would be a list of all transactions which should be EXCLUDED from a consumer report. Also, I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to get a copy of my credit report and be able to dispute items online. Experian says i have an account with them but its " inactive '' whatever that means. They say i need to create a new email address inorder to view my credit report. This is crazy. I have one email addres i'm not forming a new email address a condition precident to be able to view my credit report. By law they have to provide me my credit report and access to be able to file disputes. Requiring consumers to have to create and montior a new email address to be able to view their credit report is an unreasonable barrier to access to their credit report and the tools to make disputes.

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 2021-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
This is kind of a long story, but will try to make it short. In XX/XX/XXXX hired XXXX XXXX. Paid XXXX for 3 months, within 2 months had all paper work in for them to connect to servicer, but in XXXX there had been no progress, had to cancel. Tried to get money returned to me. but to no avail. I was so naive that hired another company called XXXX XXXX in XXXX XXXX sent documents and yet again out XXXX dollars because they did nothing to stop foreclosure. House was sold back to to servicer in XXXX. I had talked, emailed, called everyone I possibly could, then the virus shut everything down. I refused to give up, a few months later. Got a call and was given a forbearance for 6 months, thinking that they were finally going to work with me. Yet again was fooled it was just for them to by time to sell it yet again. knowing that i had year to get back. I do believe i was scammed and also think Dovenmuehle was duel tracking me with no intention to helping, because they checked my credit in XX/XX/XXXX that I just recently seen on my credit report. I also tried to get a lawyer on this, but was told the bank would just keep throwing money into the lawsuit and be able to win. Now today Iam faced with surrendering my home to someone that bought for cheap when it doubled in value and i have worked so hard for the last 7 years to get, destroyed my Credit have nowhere to go because I was given a letter 10-day demand possession. Thanks, I do have documents to back me up. You can reach me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Hello I have an open account with Coinbase ( XXXX XXXX ) which was working perfectly until the XXXX of XXXX in which my account was put " under review '' by them being unable to trade, deposit or withdraw any asset. 

The message is the following : Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. 

I hold on this account XXXX USDC which is an stable cryptocurrency that keeps the same value as the United States dollar, therefore, I am unable to access my money. 

After doing my research I found out about many people with the very same problem and the account frozen for months. 

I have been in contact with the company twice and they literally told me to wait and never explained why they decided to freeze my assets as my account is completely verified. 

On the first e-mail I have sent, they replied this : Hello XXXX, Thank you for contacting Coinbase Support.

Your account is currently being reviewed and our team will need time to verify your information. During this review period, you will not be able to use the Coinbase platform. There are a variety of reasons that impact the services that we can offer you right now, including our security, compliance and operational procedures or your geographic location. 

In the meantime, if you can take a moment to review the following : 1 ) Please make sure that youve uploaded your government-issued photo ID here : XXXX XXXX XXXX 2 ) Enter your personal details here : XXXX XXXX XXXX  3 ) Provide us with some insight into how you will use Coinbase, your employment and your source of funds here : XXXX XXXX XXXX Please note that due to a high number of requests, account reviews are taking longer than usual but our team is working hard to get to yours. 

Regards, Coinbase Support After doing everything they said and still having the account in the same situation, I contacted them again saying I would like to close my account as this is unacceptable and they replied this : Hi XXXX, Thanks for following up with us. We appreciate your patience. Our team is working diligently to review your account. 

At this time, you do not need to take any additional action. Please do not submit another request related to this issue because doing so could cause a delay. We will contact you as soon as we have an update. 

We look forward to supporting you. 

Regards, Coinbase Support All in all, I can not withdraw almost XXXX XXXX dollars from the account and I hope you can help me as many user with the same problem had it solved thanks to you. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 30 days after i have not received a response yet. I feel ike im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it s plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those ilems from my credit report it has been over 60 days so they should be deleled promptly. I demand these accounts be deleted immedately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax dala breach and may have gol into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian responded by saying : In your complaint, you indicate that a bankruptcy continues to report on your credit report. You are requesting the removal of the information. According to our records, the disputed item does not appear on your personal credit report at this time. 

But this is STILL showing up on my credit report. Experian please remove and send a corrected copy of it being removed. As of XX/XX/2021, this is still showing up on my credit report. I have attached a file so that you can see it.

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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
I contacted the company " professional debt '' letting them know that they have an account on file with my information that was fraudulently created. I have never done business with them or any of the clients that they represent. This account is the result of identity theft which I proved to them multiple times yet they refuse to remove my information from their systems. I demand that this file is blocked from my credit report immediately. they are trying to blackmail me into paying a debt that is not mine. I will be taking this to court if it is not resolved in 21 days. I will be suing for defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX/XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XX/XX/21 - MRS BPO LLC collections agency sent me a letter stating that they are attempting to collect {$300.00} balance owed. 

XX/XX/21 - I sent a debt validation letter requesting that they validate the debt XX/XX/21 - The letter that was sent via certified mail was delivered. 

XX/XX/21 - It has been more than 60 days and the debt has not been validated. The collection agency is non-compliant with the FDCPA. This company may not attempt to damage my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: I.C. System, Inc.
State: CT

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I took my car to be repaired at XXXX XXXX XXXX Im XXXX, WA. Payment arrangements were discussed and I completed a prequalification for easy pay financial arrangements with zero interest for 6 months. I did not apply or sign my name to any kind of a credit application. When the employee could not get authorization on my checking account number, he apparently applied for a Synchrony credit card to pay for car repairs without my permission. He denied that it was a credit card and insisted it was an easy pay with zero interest card, as discussed. He also insisted that the easy pay arrangement would not affect my credit score and was not a hard inquiry or an actual credit card. I discovered later that day that I had a hard inquiry on my credit report and a new account, based on a credit application that HE submitted e/o my permission. The employee admitted fault and gave me a phone number to call synchrony bank to close down the account, and report a fraud claim, which I did. An employee of XXXX essentially opened an account in my name without any authorization from me, nor did I sign anything or agree to any credit terms whatsoever.

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