vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 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: FL

Complaint narrative:
( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police  made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX Experian Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2020-04-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Re : Chase Account Debit card XXXX Card member : XXXX XXXX XXXX Chase Bank has not been responsive to my request for a dispute of a XX/XX/XXXX transaction in the amount of {$690.00}. Not only did they fail to contact me to request information about this dispute, but they also only informed me of the results on XXXX XXXX, and since I reported this on XX/XX/XXXX, their notification to me well past the 90 days deadline. I never received any mail from them either. Company Chase Bank has been unorganized in this process, in my opinion, because their off shore customer service team is not properly trained. 

Furthermore, Chase Bank has failed to notify me at all for the dispute of these other charges : XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX - {$250.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$150.00} XX/XX/XXXX - XXXX  XXXX PA XX/XX/XXXX - {$200.00} XX/XX/XXXX - XXXX  XXXX  - {$630.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: TX

Complaint narrative:
I was also a victim of Identity Fraud I didn't not know this account was on my report and when I challenged the debt the company provided ELECTRONIC SIGNATURES that was not made by me they also did not update my credit report stating the account was under dispute within 30 days Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Also this company is reporting the account under multiple Business names Perfection Collection and XXXX 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 2020-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with Transunion, XXXX and XXXX regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XXXX Chapter XXXX reference # XXXX filed XXXX After filing multiple disputes online and getting a response that it was verified, I sent out XXXX letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.

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 2020-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
in XXXX i was give 2 delayed payments which still exist and now the are threatening reposetion i made a payment on XX/XX/XXXX for the XXXX bill they called and threatened me do to the current problems and i have complained about them before and you tookcare of it and i had proven that they had been over paid and the 2 delayed payments still exist now they are saying they dont

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 2020-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc.
State: CA

Complaint narrative:
I was part of an IBR with College Foundation of North Carolina. When I needed to redo my paperwork there was an error in the initial application. I immediately sent in a new application. In the interim I began to receive invoices for upwards of $ XXXX {$900.00} per month, far beyond my means. I spoke with representatives and the gave me a forbearance while the problem was resolved. During this time I still made some smaller payments to show good intent. I never received notice that the forbearance was up, but did start receiving bills for $ XXXX again. I continued to make small payments and reapplied for an Income Based Repayment plan. I finally received notice that my application was rejected because I was already on an IBR. I never received notice of my IBR being accepted and was unaware of the proper amount I was supposed to be paying ( the website was down for maintenance for months ). In the meantime, CFNC reported me as 30/60/90 days late on my payments. Since I technically have 4 separate loans, this report lowered my credit score by almost 150 points overnight. I have disputed the credit reporting multiple times and written a letter of goodwill, but have been resolutely rejected. I am trying to refinance a home right now and can not do so because CFNC 's callousness is beyond the imagination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: FL

Complaint narrative:
I have an account with Coinbase for several years now with a balance of no more than ~ {$1500.00} and I recently purchased {$17000.00} worth of coins. The whole time I've had my Coinbase account, it hasn't been accessed without my permission until Monday ( XX/XX/XXXX ) and I had my account disabled since then. I'm being denied access to my own account and I find it very questionable that my account has only had an incursion when there was a drastic amount of funds purchased into my Coinbase account. The only method Coinbase provides for support is via email trouble ticketing and I've followed each step necessary to enable my account and to obtain rights to my own funds ( if my funds haven't had an unsanctioned transfer ). I've requested numerous times to be granted access so that I may determine the extent of damage/stolen coins within my account, but Coinbase refuses to do so. I have had my identification positively verified by Coinbase and I've followed each step set by Coinbase so that my account can be reenabled. Since Monday ( XX/XX/XXXX ) and until now ( XX/XX/XXXX ) I have no knowledge of or ability to verify my funds within my own account and Coinbase has refuse to help determine if any unauthorized fund transfers have occured. I believe Coinbase has both a questionable and unethical practice that is either centered within an individual at Coinbase or as a collective. No one ( other than myself and Coinbase ) has knowledge of my funds within Coinbase, yet my account had a breached when a serious increase in funds to which I've been denied access to my account after said incursion. My account has been stolen in more ways than one and I've lost all rights to my account as the owner. My account thus far is stuck in limbo with no method or date of release back to myself even after full verification of identication has been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: VA

Complaint narrative:
Date XX/XX/XXXX, amount {$670.00}. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/XXXX. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/XXXX. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/XXXX. The XXXX Landlord forced me to move out for their repair on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is about a security alert on my consumer report. I want this removed because it has caused credit problems. I was refused a credit line which I clicked on a wrong button I only wanted a credit account which is how I found out about this. This was on line through pay pal. They sent me a letter refusing because of this security report. They said they tried to call me but I get so many useless consumer advertising calls I probably missed it if they called. this happened about a month ago I cant find the letter. the thing is I amXXXXyr. Old and I read this stays until 2027 which is unacceptable. I have a good credit rating and am debt free and my credit union which is my only banking institution I use knows nothing about this. I dont know what institution or co. Did this but I want it off. I never requested any of this. I hope you can help as I could die before 7yr. Are up this is ridiculous. Thank you XXXX. m y address is XXXX XXXX XXXX XXXX  XXXX va. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Ive been using an app called XXXX. XXXX now has a error message stating that customers with pnc can no longer link there accounts. I hate to have to change banks after so many years. Please have this fixed in order for people to continue using app when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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:
In addition to a false 1099A for the HELOC being sent to me, on XXXX at XXXX, I spoke to XXXX XXXX XXXX her client XXXX, their legal representative. I told her I believe because of all of the illegal attempts to terrorize me emotionally and financially to incur XXXX XXXX  that her client XXXX is trying to kill me with the side affects to my health and financial life. 

She told me that " they are not trying to kill you, they are only trying to get you out ''. Recently please refer to CFPB complaints # XXXX and # XXXX false information has been and still is being put into the three credit bureaus damaging my credit already attached in the CFPB files. XXXX is also currently trying to foreclose on a HELOC non existent account that was said to be extinguished with the first illegal non negotiable account. The XXXX attorney is responsible for all of this criminal activity against me. 

This is NOT a duplicate complaint this one Adds to the criminal acts against me. The crimes I am referring to are in fact as follows : Credit reports are binding. 

" A third party loan servicer may not use unfair or unconscionable means in servicing any loan. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.21 : ... ( 6 ) Knowingly or recklessly providing inaccurate information to a credit bureau, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NV

Complaint narrative:
These are not my accounts.

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 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I payed my XXXX XXXX and XX/XX/XXXX payment on XX/XX/2020. I no my XXXX payment would be 30 days late, but my XXXX payment was payed within 30 days which was payed on the XXXX of XXXX. I file a dispute with XXXX  credit reporting agency which they refuses to correct. Please explain to them that my XXXX payment was payed on time within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I contacted XXXX c/0 PHH Mortgage Services XXXX. XXXX XXXX XXXX  XXXX, NJ XXXX by phone regarding a letter I received from on XX/XX/XXXX that suggested they haven't received several mortgage payments since XXXX, XXXX. The person I spoke with was no help, but suggested I fax to them copies of certified checks that were mailed to them. This company has a history of mailing notices that my mortgage is delinquent when it isn't. I wrote to CFPB in XX/XX/XXXX to complain about these practices and the complaint was investigated, but here we go again. The person I spoke with at PHH stated that nothing can be done until they receive faxed copies of my payments. One of many questions I have about this continued nightmare is how is it fair practice to constantly badger me to send copies of checks they have cashed? I have been in my home since XXXX and badgered by one mortgage company after another that implied they weren't receiving payments. Before PHH it was Ocwen, before them was a trail of suspicious companies ; beginning 23 years ago I believe with XXXX, then in no particular order, XXXX XXXX, XXXX, XXXX XXXX and probably one or two others. My argument is this ; I make my mortgage payment on the first of each month and it is not a delinquent account. I am so sick of these people I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Made several attempts to have the company verify and contest to contract regarding unknown delinquency on the credit file. XXXX XXXX XXXX are being non-complaint of FCRA Guidelines.

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 2020-04-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Made several attempts to have the company verify and contest to contract regarding unknown delinquency on the credit file. XXXX XXXX XXXX are being non-complaint of FCRA Guidelines.

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 2020-04-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, EQUIFAX AND XXXX  IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: MS

Complaint narrative:
XXXX, XXXX  AND EXPERIAN IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY

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 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
30+ days ago I called synchrony bank /paypal fraud department at XXXX to inform them a hard inquiry listed on my XXXX credit report do not belongs to me or was made fraudalent. The agent told me they will notify XXXX to delete this hard inquiry.Today I call this bank again to check why this hard inquiry is still listed on my credit report, another agent tell me the same story once again, that they will notify XXXX to get this inquiry delete. I ASK FOR CONFIRMATION NUMBER OR A LETTER AND SHE DENY MY PETITION.

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