vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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 — Investigation took more than 30 days
Company: NEW WORLD COLLECTIONS, INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
This company has made an attempt to sue me for a debt in which the statute has passed. In investigating them I learned that they are crooked and fraudulent people under the guise of lawyers. They need to be investigated and disbarred and the company shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I consistently contact the credit bureau via their online dispute center and via phone to remove the hard inquiries on my account because I am a VICTIM of their Inquiry issue. 

I still have these hard inquiries on my account that have not been resolved. I've stated the inquires next as a resolution.

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 2021-03-16 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 — Was not notified of investigation status or results
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau in regards to items that were inaccurate on my credit report. I received no response for over 30 days and when I finally did receive a response for lack of better term the information was still inaccurate. I thought the bureau would update my my credit report accordingly but that was not the case. When I recently checked my credit report, the same inaccurate items appear on my credit report. On XX/XX/2021 in effort to get the issue resolved I sent another letter to the bureau explaining my confusion. After reviewing my credit report it makes no sense to me how both XXXX and XXXX have ALWAYS reported all of the same items from FED LOAN and FED LOAN SERVICES in positive standing, but XXXX have reported it as a negative. I understand making errors but this involves ( 16 ) items on my credit report! XXXX made a error reporting to the bureau and should correct it accordingly. This is really stressful and I am so confused. These inaccuracies are really effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
While making a deposit to the ATM right outside the bank during after hours, there was an issue with the machine. It turns out it did not accept the bills but it accepted the checks. When we left the ATM machine we were in belief that all the checks and cash were accepted but it turns out that was not the case.

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 monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I checked my credit report with XXXX XXXX and there was a collection on it for {$480.00}. I don't know what this is. It said it was opened on XX/XX/2020. There is no account number. The company is XXXX XXXX XXXX, XXXX. I called this company and they said I did not have an account with them. It was sent to a collection company. AMSHER Collection Services. I have no idea what this is about. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Investigation took more than 30 days
Company: Harvard Collections, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On or around XXXX, I disputed 2 items with Experian that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Experian, but they fail to do a full investigation and said they were mines. 
Here is the info for the dispute results Report Number XXXX Date generatedXXXX XXXX XXXX and Report NumberXXXX Date generatedXXXX 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 2021-03-16 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 — Investigation took more than 30 days
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CASHCALL, INC.
State: ID

Complaint narrative:
Cash call is showing up on my XXXX credit report. This is not my loan, I have disputed this several times and it is still showing up on my hard credit pulls. It is dragging my score down. I need to get this fradulent pay day loan removed from my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX CLM contacted my ex-husband regarding a collections account that I do not recognize and have asked for documentation regarding. No documentation has been provided just text messages regarding the agency 's willingness to settle the account for less than half. CLM is saying my XXXX loan for {$1500.00} has been transferred to CLM and they are willing to settle the account for {$780.00}. I do not recognize XXXX at all and would like documentation regarding this debt. I would also like CLM to stop sending text messages to my ex-husband and anyone else.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
This company has made an attempt to sue me for a debt in which the statute has passed. In investigating them I learned that they are crooked and fraudulent people under the guise of lawyers. They need to be investigated and disbarred and the company shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Investigation took more than 30 days
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I contacted Early Warning about getting a copy of consumer report. I filled out necessary application and faxed it to XXXX XXXX XXXX on XXXX. That same day, I went through verification over the phone to get a copy of the report in which Early warning asked me multiple questions about my credit, sent me a link to scan the back of my drivers license, had me verify my social, my home address and multiple other credit history info. Still, to date ... .no report by email or mail. 

I explained to the representative at EWS that I had pulled a recent XXXX  XXXX report and found multiple inaccuracies such as payday loan inquires and bank inquiries in different states which i do not live in .... 

He told me he would send me info about Identity theft ... Which, again, I never received. Honestly, I am starting to question whether EWS is even a real company at this point??? 

I would like CFPB to step in here and find out where my report is at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is in reference to the Letter received from Wells Fargo Home Mortgage dated XX/XX/2021 which is attached herewith and shown as Exhibit A. 

There is a factual error in the above letter which is totally misleading and the timing of this letter is highly suspicious. Borrower was totally astonished to receive the above letter with the intention to foreclose the Property when there is an ongoing Investigation from the Lenders side in the above mentioned Loan, Complaint filed by the borrower with CFPB, wide Complaint No : XXXX dated XX/XX/2021 [ this was closed on XX/XX/2021 ] and the subsequent Complaint No : XXXX dated XX/XX/2021. THE ESTIMATED OUTSTANDING PRINCIPAL BALANCE IN THIS MORTGAGE ACCOUNT AS OF TODAY IS {$12000.00} The issue in the above loan relates to a Lender Placed Insurance for a total amount of {$4800.00}, which is split into 12 monthly installments for an amount of {$400.00} to my monthly Mortgage as an Escrow Account created by the Lender with effect from XX/XX/2021. 

Borrower already paid the monthly mortgage installment amount of {$990.00} for the month of XX/XX/2021 and XX/XX/2021 within the due date. THERE IS NO MISSED MONTHLY MORTGAGE PAYMENT as per the Letter. 

The amount of {$400.00} enforced by the Lender with effect from XX/XX/2021 is under investigation at the moment and a disputed matter. This Escrow payment and monthly mortgage payment are 2 different matters. The statement from the Lenders side is totally XXXX. 

As a matter of fact, I received a call from XXXX XXXX - Wells Fargo Home Mortgage Division - Tel : XXXX dated XX/XX/2021 in this matter. As discussed and mutually agreed, the Present Case : XXXX dated XX/XX/XXXX. 2021 will be resolved at the earliest, not later than XX/XX/2021. Both parties verbally agreed to move forward with Monthly mortgage Payment of {$990.00} till the issue is resolved. 

In view of the above, Lender must restrain from taking any further action, pursuant to above Letter dated XX/XX/2021 which is shown as Exhibit " A ''. This letter itself is totally unwarranted at the moment and highly deplorable. As mentioned earlier, the timing of this letter is highly suspicious and the Borrower strongly believes the Lender is engaged in some sort of mentally torturing and bullying tactics in this matter.

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 2021-03-16 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 — Investigation took more than 30 days
Company: Possible Financial Inc
State: OH

Complaint narrative:
I have a filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-16 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Receivables Performance Management, LLC
State: TN

Complaint narrative:
There is a collection on my account that says I owe XXXX from Receivables Management. I have never heard of this company, I have no signed contracts with this company, I am unsure of how this company has my information. I have called the company and advised them that I am unsure of the account and unsure of how they got my information. They were unable to provide me with a signed or consensual agreement that says that am associated with this balance or the company,

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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: CO

Complaint narrative:
Issue with XXXX. 

They are sending unsecured " contract emails '' which include confidential information in CLEAR TEXT ( no encryption ) which includes : * Bank Account and Routing Number * Full Name * Bank Name and Address This information is highly confidential and should never be sent in plain text in a regular email, this is a breach of trust that they will protect and secure my account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: The Law Offices of Jennifer McCoy, PC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX unauthorized and fraudulently placed an item on my report that does not belong to me. I do not know this company and have no knowledge of any debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a request for my credit report and my score to Experian i sent all documents to tell who I was.There responds was they sent me part of the report the credit score was missing from the report.Then started paying fro the monitoring service to see what was on the report.Then there was information on the report that i disputed and other information that was on the report but could not dispute that was still disputable.Then I wrote to them again to get my score by hard copy they sent the same information again that I already had I wanted my score and the report and information remove from my report that was incorrect i have sent two letters to them about getting my score and item removed for my report.I have made several attempts to get this mater taken care of.Information that is incorrect and missing scores by mail.I have a right to have that information for my own use.Then i think they are messing with my score i check the others scores from XXXX XXXX and XXXX and there is a big difference in those scores and i mean a big difference.I want this problem taken care of.

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 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I got a XXXX personal loan from one main financial the apr was a little high it says on my report I never made a payment when I did on time every month for a while until I enrolled into the clear one advantage debt relief program. The main reason I enrolled in this program was I called the next month and my balance was XXXX and some odd cents my balanced doubled in one month I felt very stupid and niave because I was very young and was trying to pay off my cards and just have one payment. I was so taken back by the amount doubling in that short of time. So I panicked and enrolled in the debt relief program. Who took my money and never settles anything and let all my accounts get severely behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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 — Investigation took more than 30 days
Company: AmeriCollect
State: MI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been subject of theft and financial crimes. My account was with the firm called Coinbase, Due to no help form coinbase I hired qualified Private investigator which found the suspect, I have even informed coinbase and asked them to help me with reporting to law enforcement which they do not, Please note that the private investigator mentioned to Me that aside from my coins, the suspect had approximately {>= $1,000,000} worth stolen crypto coins in his account as of XXXX, 2020. Using todays valuations, this translates into over {>= $1,000,000}. 
I have exhausted all procedures made available to me by coinbase, all computer-generated responses to request the un-freezing of my account. Companys responses have been disappointing and unprofessional, to say the least. Furthermore, your lack of timely attention for assisting me to unfreeze and gain access to his account is on the level of obstructing justice, as it is preventing me from cooperating and providing information to law enforcement, It is also preventing him from meeting his tax compliance responsibilities. We further believe that the manner in which Coinbase handles such issues is conducive, advantageous, and beneficial to the thieves who are hacking accounts held by you in their exchange. Through these events, we have come to realize that your policies and terms of services are unfair and unconscionable business practices. They are unilaterally self serving, and have placed me and other account holders, in a similar situation, at risk of being defraud ed. We b elieve this constitutes a breach of agreements and fiduciary duties on your part.

Company response to consumer: Closed with explanation