vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. Collection agency keeps reporting false debt on my report. Out of the blue one day, I received an alert through XXXX that I had a new collection account. I immediately looked it up and saw that the original debt was owed for a XXXX XXXX account, which Ive never had. I contacted XXXX XXXX to verify if someone was using my name and was told that I should report the company because there was not now nor never an account in their system with my name. I filed a dispute and the false claim was removed almost immediately. I assumed it was a mistake and moved on, but last week, the same account showed up again, with reason disaster relief as the reason I didnt pay, and thats a complete lie. Never owned the account, nor owed the debt and need this company out of my life and my credit file permanently. I disputed the account again and had it removed from one credit account, waiting for the other two. This company may have some valid accounts, but mine is not one of them! If they report anything else, I will be forced to hire an attorney to protect myself from this type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted Transunion regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit.

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 2021-04-14 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: MI

Complaint narrative:
I have contacted Experian regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit

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 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX XXXX, MI. I never received a bill from them. On XX/XX/XXXX. I rceived a bill for {$180.00}, oo from XXXX. I sent XXXX and XXXX a letter invoking the FCRA. hey did not comply within 30 days and so pursuant o the FCRA there i no debt and I deny that tre was evr one. 

Nationwide recovery service wrote trying to collec {$180.00}. I wrote them to comply eithh FCRA and h comply withe the Fair Debt Cullction Practices Act On XXXX XXXX they posted a derogatory commeny with The credit aggencies andmy cred yport dropped 33 pointsNationwide acount # XXXX Creditor account XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: MI

Complaint narrative:
I have contacted Lexis Nexis regarding inaccurate reporting on my credit file. I followed procedures in disputing information but they have not responded. I have called, emailed and even written them requesting that this negative information be removed. They simply refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
My complaint is that Transworld Systems at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has been reporting an balance of {$350.00} as a past due. I do not know this company and have never done business with them. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
ACCOUNT MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX {$550.00} This debt is claimed to be from XX/XX/2015. I have no recollection of it and was never notified of the debt or given the chance to cure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted Equifax regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
CEDARS BUSINESS SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX {$5500.00} Balance updated XX/XX/2021 The original creditor claims there is a balance due of {$5500.00}. This is not true. The debt which I do not owe has been sold to Cedars Business Services which makes claims they are going to sue me, and if I do not respond collect a lawsuit. The agent on the phone speaks like an attorney but is not. 

I have told them this is not my debt to please stop calling yet their tactics continue to get more aggressive. Please help me deal with these individuals and remove this from my credit report as it is negatively impacting my score and finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/21 I received notice that my mortgage loan was sold to a different mortgage company PHH Mortgage. They sent me a notice that I was to pay an additional {$92.00} for hazard insurance. I called my Insurance company, XXXX and spoke to a customer service representative, who then contacted PHH. After 30 minutes of waiting and being transferred to other departments, we finally reached someone. XXXX agent faxed my insurance coverage to PHH on XX/XX/21. I thought the problem was resolved, however, I received a letter by mail on XX/XX/21 stating my payment for XX/XX/21 would be the same as before ( included the XXXX ). 



Thank you for your help. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, we purchased a house in XXXX, Texas for {$230000.00}. Rocket Mortgage was the loan company. During the loan process, our Loan Officer was XXXX XXXX. At the time of the purchase, we still owned a home in XXXX, Texas. During the loan process, I expressed to XXXX XXXX many times that we were going to sell the XXXX XXXX and use the proceeds to pay down the XXXX XXXX so we wouldnt have to pay Mortgage Insurance. Mr. XXXX XXXX said thats great because with Rocket Mortgage you can not only get rid of your Mortgage Insurance but Rocket Mortgage will re-amortize your loan if you pay more than {$10000.00}. The XXXX house closed in late XXXX. 
On XX/XX/XXXX, the XXXX XXXX closed. I called Rocket Mortgage to begin the process of paying down the XXXX loan to get rid of the Mortgage Insurance and re-amortize the loan. I was told that with the type of loan I was given that is not possible to get rid of the Mortgage Insurance and that they will not re-amortize the loan. The person I was talking to said they would have someone call me. I asked to speak to my former loan officer, and I was told he no longer worked for Rocket Mortgage. Later that day I got a call from XXXX XXXX. Mr. XXXX told me that the type of loan that I was given I would not be able to have the Mortgage Insurance taken off and re-amortized. Mr. XXXX said that he would fix my problem for no cost to me since it was Rocket Mortgage mistake. I would have to wait ninety days and refinance. 
After ninety days I received call from XXXX XXXX, Mr. XXXX said that Mr. XXXX was on maternity leave. Mr. XXXX started the process of the loan, I received a statement from him saying that I would have to pay {$12000.00} in closing costs and a higher interest rate. I told him that XXXX XXXX told me that I did not have to pay any costs and that to be fair to me I shouldnt have to pay a higher interest rate because this was their mistake. XXXX XXXX then told me that he was not honoring XXXX XXXX email that I was to be given a loan at no cost. 
My intent the whole time during the loan process was to pay down the original loan to get rid of the Mortgage Insurance. The re-amortize of the loan was a bonus for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NC

Complaint narrative:
I am demanding that XXXX XXXX XXXX acct # XXXX be immediately deleted from my consumer report. I have documentation ( attached ) that XXXX XXXX XXXX requested a removal of this account from my consumer report with the consumer reporting agencies they report to. This request was made on XX/XX/2021 and it is a month later and this account is still showing up on my report. This account updates the first day of the month so there should have been plenty of time to handle the request and delete this account from my consumer report. This is totally unacceptable and will not be tolerated. I am requesting immediate deletion of this account from my report upon receiving this complaint and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Statement cycled on XX/XX/2021 for a full balance of {$910.00}. I made 2 payments, 1st was on XX/XX/2021 for {$110.00} and then the 2nd on XX/XX/2021 for the remainder balance of {$800.00}. The due date was on XX/XX/2021. Since I paid the balance in full is should not be charged the interest in the next month of {$6.00} that is showing due by XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 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: MI

Complaint narrative:
All accounts are fraud. 

-XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} -CXXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}

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 2021-04-14 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: MI

Complaint narrative:
All accounts are fraud. 

-XXXX  XXXX XXXX XXXX XXXX XXXX {$1200.00} -XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Account is being reported inaccurately to XXXX Account is missing data and reporting inaccurate history. Shows a 30 day late payment from the month of XXXX and account was paid and closed in 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 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: GA

Complaint narrative:
I submitted documentation to the credit bureau regarding the resolution of this account with collection agency ; XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX VISA Acct # XXXX. I received a notice on XX/XX/2021 stating that the account was sold to them ; Total Card, INC listing the same account number that was paid with XXXX XXXX XXXX under- The XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX # XXXX. I contact this agency and was informed that they sold it to XXXX XXXX XXXX, which when I call the number that was given to me XXXX no one ever answers the phone and no one ever calls back. This account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
My Coinbase account requires 2 step verification to deposit and withdraw money which I no longer have access to. Coinbase had me go thru account recovery process, by re-uploading my driver 's license and taking a selfie on XX/XX/XXXX. The company also told me it would take 48 to 72 hours to disable my authenticator configuration. Now it's been almost a week and I still have no access to my funds. I opened multiple tickets and Coinbase keeps sending me automatic emails stating it will take 48 hours. There's no emails or communication whatsoever sent from a human being regarding this issue. I have {$33000.00} in my Coinbase account in limbo. Coinbase is simply holding my money for their own benefit with no legitimate reason. This shouldn't happen and it's a shame this horrible company is going XXXX. Coinbase has absolutely NO right to freeze my funds. I need access to my money asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: NJ

Complaint narrative:
Hello, on XX/XX/2021, due to incorrect information on the backround check performed by HireRight I was fired from my job after being there almost 6 months. Furthermore, after applying for another job at XXXX another backround check was done by XXXX XXXX which again showed inaccurate information. On three occasions I was denied employment, and or, fired from my job due to inaccurate information on the backround check. Although I never denied having a criminal record, for which said crimes I served time for and paid my debt to society, I was never convicted of XXXX. I went to trial for XXXX and was convicted on XXXX XXXX. As you will see, my backround checks on the above occasions erroneously states I was found guilty of XXXX which I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NJ

Complaint narrative:
I LOST THE ABILITY TO LOG INTO MY ACCOUNT WITH COINBASE EARY XXXX, TRIED TO RESET MY PASSWORD THEN DISABLED THE ACCOUNT ACCIDENTLEY AFTER CALLING THEIR CUSTOMER SERVICE PHONE NUMBER. 
I FILLED A HELP REQUEST MANY TIMES, I RECIEVED AN E MAIL RESPONSE STATING THAT THE ISSUE WILL BE HANDLED IN 4-5 DAYS. 
SINCE THEN NO RESPONSE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
My scooter was stolen from my place of residence in XXXX of XXXX. Due to the COVID-19 outbreak, the DMV was closed so I was unable to reach them concerning the matter. I filed a police report. I received a letter in XXXX of XXXX  notifying me that the scooter was found earlier that month and was being held at a tow yard. The letter also notified me that I owed the tow yard over {$500.00} to cover the cost of the towing on top of the rate per day to keep it at the tow yard. I immediately called to let the tow yard know I had filed a police report for the stolen scooter and did not understand why I was not notified before the scooter was towed. I did not agree to have the stolen scooter towed and should not be responsible for the fee. I also told them I did not want to repossess the scooter. It was then sold at auction. Since then, I have continued to receive letters from a lien company claiming I currently owe {$580.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation