vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: UT

Complaint narrative:
In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XX/XX/XXXXyou cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed

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 2021-01-21 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: CA

Complaint narrative:
In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XXXX you cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TN

Complaint narrative:
I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to contact XXXX XXXX to initiate the dispute. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations. This complaint should serve as notice that XXXX XXXX may contact me in writing only regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Back in XXXX I began a modification process on my mortgage due to loss of income. I was given a trial period to pay a new amount. Once my trial began I made all of my monthly mortgage payments On Time. I have not missed a single payment. My mortgage company, LoanCare, was awful. I had to constantly resubmit paperwork that they lost and they sent incorrect documents that I had to get notarized to finally approve the modification Eight times. My name was wrong, my county information was incorrect, they had a former resident on the paperwork, they spelled my name wrong after they corrected it. The entire process lasted from XXXX until XXXX. It took two years to finalize my modification. I spoke to managers, got personal promises and sincere apologies for their mistakes and the length of the process. When I was told it was completed after two years, they told me that theyd update my payment status. The entire time I was going through this modification, I made all my payments on time. They have never changed my payment status. As of now, they still report that I missed two years of mortgage payments. In reality they were collecting my payments and applying them to my modification but not reporting them as on-time payments. I have called and spoken to managers, they have given me their personal assurance they would fix the status and it never happened. I was told to submit a credit report dispute through their website- I did that twice. I have also disputed this through the credit reporting app XXXX XXXX, three times. This incorrect payment history has ruined my credit and reflects that I neglected to pay my mortgage for two years. This is not accurate and has prevented me from taking out home equity loans, etc. I have pursued every avenue to have this horrible company correct my account.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I got an alert this morning XX/XX/2021 regarding something was added to my credit file. I checked my reports and notice a collection reporting on my XXXX and XXXX credit report from a company Consumer Adjustment Company I do not recognize. This company has violated my right under the Section 15 USC 1692e 2 ( a ) ( b ) false or misleading reporting FDCPA. I also never received any notice written notice or notice by phone phone that this was an attempt to collect any alleged debt, also my right to dispute this alleged debt was ignored. I have not validated this debt and only me as a consumer can validate any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: DISCOVER BANK
State: OH

Complaint narrative:
The is my second dispute and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 

The Account : DISCOVER FINCL SVC LLC # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been back and forth like a ping pong ball regarding this current issue with XXXX reporting on my credit report.Ive already filed complaint with attorney general as well. I recently made a complaint with you guys that this account falls within the guidelines for the settlement with XXXX. I have a copy of the letter from XXXX in regards to my complaint against their agency. In letter Im attaching filer other complaint # XXXX their admitting that they have no information on this account. What is more scary is that Experian has constantly verified this account? Which means no thoro investigation has Ever been done by bureau Ive included copies of Experian verifying this account, despite the original company have no information or knowledge of account. Please assist me and look into this concern. Ive also noticed that your aware based on a lawsuit you have against XXXX of their faulty reporting please help me

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Went to the Experian online page for a temporary lift of my credit freeze. After filling out all requested information and hitting " submit '' get error messages saying Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

but there are no such fields on the form. Most of the telephone help numbers listed are automated systems that can't address the problem. One, XXXXExperian turns out to be a credit repir service that offers to sell a membership/

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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This account was paid off and it is past the statue of limitations and this was already deleted so please get the to removed this account again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened an account with PNC to have as a savings account. In XX/XX/XXXX I logged into the account I discovered the bank had been debiting my account {$25.00} a month, totaling {$420.00} taken from my account. Speaking with a resolution XXXX, XXXX XXXX the bank does not dispute that I had not logged into my account from XX/XX/XXXX until XX/XX/XXXX. They do not dispute that no services were offered on my account ( I never called in, did activity, etc ) but they denied my request for a refund of these fees. 

The mistake of putting {$430.00} less in my account to open it, should not be a penalty of {$420.00}. The PNC virtual wallet terms state that " six consecutive months '' of inactivity causes the account to be considered inactive. Yet, they charged the fees even after six months. 

Although I did try to work this out with PNC, they have offered no refund of the $ XXXX monthly {$25.00} fees, as relayed by XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management reported a " late payment, collection account '' when in fact this account was acknowledged via CFPB last year and cleared by collection company at the time. This account was discharged via my husband 's bankruptcy on XX/XX/18. No new information or collection should be added to my credit report at this time causing a decrease in credit score. XXXX XXXX is attached. In the state of Arizona, spouse debts when included in the BK are discharged as part of " marital property ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: TN

Complaint narrative:
I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to submit the attached documentation. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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.
State: IL

Complaint narrative:
I opened an account with Coinbase back on XX/XX/2021. On that day, I went through a series of two validation processes. Both of them reported successful. After the validation process, Coinbase allowed me to make a deposit and invest in cryptocurrency in the amount of XXXX, which I transferred. They made the asset purchase, and then promptly have locked me out of my account since, claiming my account is " under review ''. There's been no other communication from them, and I am having no similar issue with my other investment accounts with other firms. 

I have emailed them multiple times to no response. They are also not really responding to anyone from what people have reported. They offer no phone number for assistance, and I keep getting messages that " come back in a day or two for us to complete validation ''. Other parts of their site say I am verified, take me to the verification page, and say I'm verified. 

So essentially, I've had a small amount ( thankfully ) of financial assets ( XXXX XXXX tied up in their system and not able to manage my investment. As a result, it has begun to lose value in the typical market manner, and I can not control it. 

The second issue I have with them is in their advertising they say you can earn up to {XXXX in Cryptocurrencies by learning about them. What they don't disclose until the entire registration process is done, is that there is a waiting list, and there is no guarantee that you even will have a chance to earn it which feels like a bait and switch. I was eventually able to do one of them, only to be told I earned something around XXXX, and then it has not been deposited. Even the account opening bonus of {XXXX in bitcoin has not been deposited either to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I submited a dispute wihth XXXX to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account XXXX Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence ) and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless Wells Fargo tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to Wells Fargo, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with Wells Fargo again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - Wells Fargo validated the late payment and could not provide me with proof or comments from Wells Fargo. Also, Wells Fargo is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like XXXX says to call Wells Fargo, and then Wells Fargo says to call XXXX - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that XXXX  was responsible to make sure Wells Fargo corrected their error and see their oversight, but XXXX said no and there is nothign they can do if Wells Fargo keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to Wells Fargo Executive Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.

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 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, AMERICAN EXPRESS Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: DISCOVER BANK
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2019, DISCOVER FINANCIAL SERVI Inquired on XX/XX/2019, XXXX XXXX Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation