vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
RA Rogers reported a collection on XXXX credit report without following Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KY

Complaint narrative:
Yesterday night at XXXX ; XXXX a visitor accessed my phone when I was showering. She opened my phone and made a cashapp transaction to herself of XXXX XXXX she became uncooperative saying she doesnt have access to her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I have called to explain that this is not my debt, and to have removed from National Recovery Agency, on XX/XX/2021. They all were very rude and hung the phone up in my face. I asked for a Supervisory and she was not helpful at all. The amount is {$620.00} Ref # XXXX. I have also filed a dispute with XXXX. I am request this debt that is not mines be removed from my credit file and my score retuned back to 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 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My mortgage loan with Specialized Loan Servicing, LLC was paid off in XX/XX/2021. On XX/XX/2021, Specialized Loan Servicing, LLC notified me that release of mortgage would be sent to the county recorder 's office. On XX/XX/2021, I contacted XXXX XXXX County where the property is located and was told they have not received mortgage release document. After that, I contacted Specialized Loan Servicing, LLC numerous times and opened two tickets, XXXX and XXXX. As of today, my issue has still not been solved. It is very frustrated and difficult to work wit

h Specialized Loan Servicing, LLC as their mortgage dept refused to take any direct inquiries and everything have to go through either front desk or opening ticket. It is almost three months since my loan was paid off and my communication with Specialized Loan Servicing, LLC yields no results. I have to request CFPB to step in to help me solve this issue. Thanks

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Source receivable management is calling me every 30 minutes and harassing me every day after I already sent them all the proof transactions from sprint mobile company. I open an account with sprint mobile back in XX/XX/2020 it was 90days promotional lease contract after 90days then it goes to 18mos and an option to buy the phone or device. I closed my account in XX/XX/2020 and return the devices and paid off my last bill in XX/XX/2020. I sent all of the transactions emails from XXXX  company to source receivable management and couple of days later my email come back saying blocked. Not only that they have received my emails and did not like it and so they block my email address. And they put it twice now in my credit report these type of behavior should not be allowed to practice in any ways. All I want is to be removed from my credit report and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
In XXXX and XXXX of XXXX, I forwarded validation of debt letters to the credit bureaus regarding an unverified debt on my credit report. Upon receiving a letter from the credit bureaus that the debt was " verified '' by the creditor, I forwarded a certified validation letter to AD Astra Recovery Services in XX/XX/XXXX and a second certified letter on XX/XX/XXXX. AD Astra Recovery Service has failed to validate this debt on my credit report that has been reporting for more than 4 years ; which violates the statute of limitations law in Texas in which a debt can appear on your credit report. I have tried to reach out to the debt collector multiple times with no response received. I demand that AD Astra Recovery Services delete this erroneous account from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I wanted to complete an online withdrawal from my account, not getting access to this account for quite some time I could not remember my credentials. So I called ALLy, After answering every question that the ALLY asked me and being on hold for 30 minutes I finally remembered my access and completed the transfer on line. I then received an email from ALLY confirming my transfer. At XXXX I received an email that my transfer was suspended, I called ALLY in the XXXX to inquire why it was suspended. They stated I did not have enough funds, which was then proven wrong and then they stated a Rep suspended because I did not answer all her questions on the phone. I answered every question that was asked of me in a timely and complete manner. Now they are telling me that I have to make this transfer all over again. They screwed up transfer, kept me on hold for over an 1 hour of my time and then they make me a victim to start the process all over again. They and it states on the email, that they " temporarily suspended '' the transfer, so they should easily remove the suspension and complete my transfer. They refuse.

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 2021-08-09 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: Aqua Finance, Inc.
State: IN

Complaint narrative:
# 1 : In XX/XX/XXXX Aqua Finance reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score.

To this day, I still have never been notified our account was ever sent to collections.

# 2 : Aqua Finance charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: GA

Complaint narrative:
I have reached out to Equifax to update my credit report showing all on time payments on my XXXX XXXX auto loan. On XX/XX/XXXX my report updated with late payment information which is 100 % inaccurate. My equifax report shows that I was 60 90 120 days late on my auto loan which is inaccurate. My report shows in XX/XX/XXXX I was on time then XXXX I was 60 days XXXX XXXX 90 days XXXX 120 days which is all inaccurate. I did not have any missed or late payments. Along with you are not possible to go from on time then to 60 days late within one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I received a call on my phone, with the caller ID as Coinbase. The message that was left said that my account was exposed to suspicious hacking activities. 

So with XXXX in USD of being in my crypto wallet. I emailed coin base now coin base customer services does not have any live people to talk to, its all via email This was the first red flag this I came across, but being nervous about the safety of my funds. I followed the instructions provided on their website. These instructions were to temporary lock the account. 

So, after that I was instructed by a generic email reply, not personal. Evidently, a auto reply that everyone gets from coin base to reset their password and set up a two-step verification. So I did as such, at that time I received another auto reply type of email saying that your account is now being handled by a specialist, allow 4 to 5 business days. 

This was on XX/XX/XXXX and the account still hasnt been unlocked, nor has anyone from coinbase has come back to contact me. I have sent numerous emails, but continue to get the same automated generated reply and no help in unlocking my account, granting me access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft SUNTRUST BK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not 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 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Im a self employed XXXX XXXX XXXX, and also own XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Sba approved me for the first draw of ppp loans being as though my business was highly affected due to the current pandemic that we are all facing. My clientele was limited, and my business is suffering immensely. Ive provided all proper documentation to Capital One banking institution as proof of my business and income from XXXX XXXX. They asked me send send in 1040 form, which I sent in the same day it was asked of me. My business is still recovering and I would like answers as to why this is happening to me. I literally went from being self employed to employed because I have to booth and suite expenses out of pocket. Can someone please help. Im a XXXX XXXX who has been held against my rights for no reason at all. I call Capital One daily for updates, and no one has looked at my case or documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
XX/XX/XXXX XXXX accessed my credit report without my permission or request. I reported this to Equifax as a dispute that date received notification today that the investigation was complete and I could view the results at Equifax dispute center. Was unable to open the report. Called Equifax dispute center and was told investigation was closed. Also, it was indicated that the inquiry would remain on my credit report for 2 years. This inquiry adversely affected my credit score and I asked Equifax to remove the unauthorized inquiry or to note that the inquiry was not authorized. Was told they can not do this unless I file a complaint with FTC or police. This is that complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ny XXXX XXXX  Fraud Victim Assistance Department XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX [ RE : Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

AEP AND CREDIT INQUIRIES resulting from the identity theft that should be blocked, by name of the source, 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.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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
Consumer complaint received 2021-08-09 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: SC

Complaint narrative:
On XX/XX/XXXX I sent in numerous letters to XXXX XXXX in regards to inaccurate information reporting on my Equifax credit. This account has been charged off and a payment hasn't been made since XXXX. Equifax is currently reporting 120 day late every month. This is inaccurate information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
We have 2 condos and we have an escrow account with our mortgage company. Recently I found out my mortgage company wrongly over deducted our escrow account to pay for 2-condo taxes in XXXX. I called the mortgage company and requested our money back on XX/XX/XXXX, and until today the mortgage company said all the numbers on its statement are true and correct, and it doesn't refund our money. 
Base on the statement the mortgage company had sent to me through email, in XXXX it withdrew 2 payments {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ) and {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ). 
Then 2 more payments {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ) and {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ). 
The 2 payment on XX/XX/XXXX and XX/XX/XXXX are only the correct taxes which we should pay to the XXXX county for XXXX, but the 2 other payments total {$2600.00}, both are on XX/XX/XXXX, are wrongly deducted from our account. 
From XXXX to present, I do many phone calls to its Service center, email its Tax department, email its Research department, but my request is not correctly answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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