vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: NV

Complaint narrative:
To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definiton of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice congess said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Sworn : XX/XX/2021 Signed : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services attempting to collect an alleged debt, I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. 

I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: AL

Complaint narrative:
I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW MEXICO XXXX XXXX From my credit file Asap!

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 2021-10-16 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:
I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From my credit file Asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company has called me and my wife an average of 4 times a week for the last three years. We have asked them to cease this and send proof of the debt countless times and they have refused. They have sworn at us, called us deadbeats and refused to stop calling. They have yet to provide any information about the supposed debt ( s ) and refuse to provide any information on the phone without us revealing information such as our social security numbers. We have blocked their numbers but they call from a new number each time. I also believe these are robocalls because when I answer I sometimes don't say anything and the call disconnects after 15 to 20 seconds without anyone on the other end saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Dear Sir or Madam, I am submitting a complaint claim to you because I have tried to contact Coinbase on several occasions via email with minimal help- this matter was never resolved and the company just stopped replying to my emails. This company Coinbase always replied by sending a automated email to my request. Currently the account I have with them I am unable to access it - the account states sorry we can not fetch your portfolio balance at this time... this message has been posted to my account for 6 months. I can not make any transactions. The sum should be {$500.00} last time I checked. 

The following dates are as follows of emailing Coinbase XX/XX/21, XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion continues to report inaccurate information on my consumer report which is, in fact, a violation of 15 USC 1681i ( a ) ( 5 ). Names being reported inaccurately are XXXX " XXXX XXXX XXXX and XXXX " XXXX '' XXXX. My middle name does not begin with a " XXXX  '' and my middle name is not " XXXX. '' ( Please see most recent correspondence from Transunion reflecting inaccurate name mentioned. )

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 2021-10-16 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: FL

Complaint narrative:
I opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its 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 2021-10-16 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: FL

Complaint narrative:
I opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I got out of the forbearance, when I became eligible for a flex modification in XX/XX/2021. I had contacted XXXX or XXXX XXXX about the company Shellpoint Mortgage who said even though I'm in a flex modification I'm not eligible for the flex interest rate. Ive done all the steps and thought this was to make my mortgage affordable since I'm without full-time work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: CA

Complaint narrative:
I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this 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
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIFIRST FINANCIAL, INC.
State: AZ

Complaint narrative:
In XXXX of 2021, I entered a CoVID-19 forbearance program under the CARES ACT. Prior to forbearance, all previous mortgage payment were made on time. In XXXX of 2021, I requested to end my forbearance status through the loan modification option. It is now XX/XX/2021 and I have not been contacted by the servicer regarding the loan modification and my attempts to get status was unsuccessful. 
I need to be out of forbearance to qualify for a business loan that is essential to keeping my business open. Without the business loan, I am at a risk of additional financial hardship. Any delay in processing the loan modification increase my risk of losing my source of income. 

Background : Since my request for a loan modification, I have not been contacted by the servicer. They have not contacted me to fill out an application, request for documentation or ask for any information. All communications between the servicer and myself were initiated by me. From XXXX of XXXX XX/XX/2021, I proactively called the servicer more than XXXX times to ensure a timely resolution. However, each time I called, the only information provided is that that the loan modification is under review. In recent weeks, I have asked to communicate directly with the loan processor and was informed that is not possible, however, the customer service representative was able to email the processor on my behalf. As such, I made 5 separate requests to the loan processor thru email from the customer service representative for some type of status and was told that the processor will contact me within 24 hours. The loan processor never contacted me. Due to lack of communication and transparency from the servicer regarding the loan modification process and my need to urgently take action to prevent additional financial hardship, I was forced to enter the deferment option which is expected to be process and finalize sooner. 

Complaint : Mortgage servicer failed to respond to borrower ( me ) after repeated attempts at communication. 
Mortgage servicer did not work with borrower throughout the loan modification process. 
Delays in sending certain notices and taking certain actions required by Regulation X. 
Did not demonstrate effectiveness in helping borrower through the loan modification process. 
Lack of communication. 
Did not effectively managing borrower requests for assistance, promoting loss mitigation, and ultimately increasing risk of avoidable foreclosure. 
Did not respond to borrower requests and complaints in a timely manner. 

As a result of the complaints described above, I was forced to end my forbearance through an option that increases my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: IA

Complaint narrative:
My partner and I have both contacted Pro Collect in amount of {$470.00} located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX attempting to Collect for XXXX Apartments. We left our unit clean and got an excellent report from XXXX XXXX. They kept our deposit for a stain on the 5 year old bedroom carpet. Within 30 days of move out we contacted the rental office and they had no video or physical sample of carpet replacement so we disputed the original deposit not being refunded. The debt was placed to a first agency and disputed and now another agency. We reported Pro Collect to Attorney General of Iowa and Pro Collect failed to respond to then timely. In addition Pro Collect is not licensed to conduct business in Iowa We dispute this debt and the collection of such. Please advise us of legal recourse we have to litigate and remove from our credit reports.

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 2021-10-16 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:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Capital One closed my credit card without my knowledge. I spent over 3 hours on the phone in one day, trying to find answers and proper documentation. It turns out, capital one didnt disclose that they can close your account without your knowledge. They stated due to payment return which is outside of normal monthly payments. Basically if you try to transfer money from another bank to capital one account, they can take up to a week to post the transaction leaving consumers confused about the funds available in either accounts. Also, customer service is poor and no one is able to disclose these terms before you find out the hard way ( account closure ). Capital One collected a {$600.00} payment to the card after closing it, without my knowledge that Id have no access to the funds. 
At one point, when my call was escalate, the agent who identified herself as XXXX ( spelling ), said that too many payment returns as a reason for account closure without notifying the customer, was proprietary company information and didnt have to be disclosed with the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Charge on XX/XX/2021 ( {$330.00} ) Notified Target Credit card dept. about the unauthorized charges made. 
I did not make those charges. 
Target credit card gave preliminary credit And after sent me a letter in the mail XX/XX/XXXX that the charges are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: TX

Complaint narrative:
I will be mailing the documentation to you. I have one and I keep deleting tons of complaints. This complaint is regarding Experian Credit Bureau. I did everything and they are only one I'm having problems. The person that stole my identity, has a account on Experian, under my social security, I told them in the later wrote on XX/XX/2021, I told them in letter because I could not log in their website because that email. 
I have XXXX XXXX and on XX/XX/2021 while in my backing acct their was link to Experian to check XXXX score. I clicked on link, and discovered Experian still that email under my social security number on my bank account. I told XXXX, because of Experian incompetence my bank acct has been blocked for 9 days!

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 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the POSSIBLEFINA still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: IL

Complaint narrative:
Ive been a victim of identity theft

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 2021-10-16 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:
Ive been a victim of identity theft

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 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was closed against my will. I had just purchased a new business, and funded both XXXX personal account and business account with monies from a LOC to be used as working capital. Without warning, chase closed both my business and personal accounts and it's currently holding my money. They've repaid my business balance but my personal account had over XXXX $ in it. I have yet to recieve those funds. It's been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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