vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: NV

Complaint narrative:
i was under the understanding that i made a agreement to freeze the account back in XXXX and i finally with back to work in XXXX and i made a payment arrangement made a payment and was to start to make payments to have this account paid off and as soon as i made the payment west creek financial started reporting the account 60 days late now i had to pay the account off with money i don't have so my credit report don't have any bad marks on it i believe they lied to me and now they are saying i have to wait 30 days before they can do anything i do believe this may be a violation of the cares act. 

XX/XX/XXXX made a XXXX payment payment arrangement was to pay XXXX per month starting XX/XX/XXXX to have agreement paid off in XXXX XXXX but as of today XX/XX/XXXX i paid it off XXXX i believe they set me up to report this on my credit report and took advantage of me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: PA

Complaint narrative:
I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2020-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I issued my Check XXXX. XXXX made payable to the order of WalmartXXXXXXXX XXXX in payment of Account XXXX. XXXX XXXX XXXX which the payee deposited in its account with XXXX XXXXXXXX XXXX, as shown by the attached copy of the canceled check ( front and back sides ). Subsequently, XXXXXXXX XXXX was replaced by Capital One as Walmart 's credit card agent. Now, Capital One wrongfully fails and refuses to recognize my payment to Walmart/XXXX XXXX. I respectfully submit that Capital One should be bound by my payment to WalmartXXXXXXXX XXXX since the former is the successor-in-interest of the latter, otherwise I would be paying double and Capitol One or Walmart would be enrichment itself at my expense. Thank you for resolving this matter in my favor. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is incorrect item on my Expierion Credit report. I took over a car payment for my mother who passed. Seven months later I had a XXXX   XXXX XXXX. The hospital bills were enormous and I returned the car. The dealer took the car and issued me a 1099. All three credit services posted the transaction as a repossession, which I disputed. XXXX  and XXXX   immediately removed the transaction but Expieron  did not. Tuesday XX/XX/XXXX of this year, I disputed the line item again in Expierion 's website. The next day I received five unsolicited calls from lenders associated with XXXX XXXX from loan officers offering to help me with the credit reporting and requesting I use their services for a loan. I have never called XXXX XXXX and do not know how they received my 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 2020-08-13 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: MD

Complaint narrative:
i recently obtain a copy of my of credit report and noticed accounts and inquiries i did not authorize.

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 2020-08-13 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: MD

Complaint narrative:
i recently obtain a copy of my of credit report and noticed accounts and inquiries i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Transferred {$500.00} to Coinbase and the funds were taken from my bank account. Coinbase is refusing to allow me access to the funds and it has been three years. Coinbase is claiming that they have reversed the funds to my bank. I have evidence that the funds were never returned to my bank, but Coinbase refuses to view the evidence. I now have to take them to court to even get a reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: IL

Complaint narrative:
My cards were stolen and unauthorized charges occurred on multiple accounts. I suspected it to be a drug addict family member and I did not press charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My cards were stolen and unauthorized charges occurred on multiple accounts. I suspected it to be a drug addict family member and I did not press charges

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 2020-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
XXXX  XXXX XXXX failed to abide by the National Mortgage Settlement of XXXX and modify our second mortgage after our first was modified. We had to file a complaint with XXXX  XXXX  who then took our first mortgage from XXXX, modified it, and sent it to XXXX for servicing ( XX/XX/XXXX ). We were then instructed by XXXX  XXXX to follow through with the modification of the second mortgage with XXXX who had to modify it based on the first qualifying. XXXX  XXXX XXXX would not speak to us and just repeatedly sent us modification packages which they repeatedly lost when returned. In XX/XX/XXXX, XXXX finally spoke to us on the phone to tell us they sold the mortgage to XXXX and no longer had interest. We received a letter from XXXX informing us but did not hear from them again. XXXX  then sold the mortgage again in XX/XX/XXXX to a private investor, XXXX XXXX - who has now served us with foreclosure papers as well as a statement charging interest back to XXXX. We have tried over and over through the years to get XXXX to modify but they just ignored us. Planet Home Lending is servicing the second Mortgage for the private investor  and we are trying to get them to agree to settle on a reduced payoff. They want us to pay a lump payment and then make payments for the life of the loan. We do not feel this is just as XXXX did not abide by the National Mortgage Settlement. 
Where are our rights? The National Mortgage Settlement was put in place for people like us and XXXX gets to violate a federal settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
On a daily basis I continuously receive notifications about my credit report collection  increasing by Grant Mercantile, a collection  agency attempting to collect a debt for an ambulance  bill. I have submitted a complaint on this company numerous of times as well as requested debt validation and my signature to show proof. All the company provided was a document with signature. Nothing else that I requested such as the billing statement, insurance payment made or if insurance was billed, patient, etc. 

They continuously report increases in the collection amount on a daily basis for this debt drastically affecting my credit. Ive offered numerous times to settle this debt that they refuse. I have someone willing to help me with settling this debt so it may be removed and will payment immediately of {$250.00}. 

Per FDCPA, The agency did not provide proof that this debt belongs to me or has been assigned by the original creditor upon the first request. Therefore by law the debt collector is not allowed to continue pursuing the debt nor should the debt be listed on my credit report. Yet they continue to do so. 

Beware of this company, they will ruin your credit and not provide information you request to validate a debt. Just continuously argue that it belongs to you. I have yet to receive any documents by mail they just racked the debt to my reports and then constantly increase the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-08-13 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: NY

Complaint narrative:
I sent a certified letter to all three credit bureaus disputing derogatory posts on my credit report from two different creditors with no reply.

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 2020-08-13 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: WESBANCO BANK, INC.
State: OH

Complaint narrative:
The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: OH

Complaint narrative:
The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.

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 2020-08-13 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: CITIBANK, N.A.
State: OH

Complaint narrative:
The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian, XXXX  and XXXX  credit bureau to dispute a incorrect address thats on my credit file and they told me it is undisputable.

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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau XXXX CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-08-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The XXXX first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Nationwide collection keeps harassing my phone. They call everyday from different numbers. I do not have an account with these people and on my honor I have no debt so I dont know why they are harassing me. Never had an account with them. These are the numbers they have called from : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation