vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: NY

Complaint narrative:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my 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 2021-03-26 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: NY

Complaint narrative:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for a mortgage through Navy Federal, I was told this was exceptional bank known for their professional and overalls service experience. I was given a pre approval letter and began shopping for a home. Once I found my home, I presented a contract and was given a interest rate of 2.125 % for a 15 year mortgage. I signed and agreed to the disclosure on XXXX. I went through the underwriting process and was given a closing date of XXXX. I finalized all paperwork and signed documents promptly at underwriting request. On XXXX I received a call from the XXXX in underwriting letting me know that my interest rate had gone up .5 % because the rate was never locked and was on a float without my knowledge or consent. I expressed that the was incorrect and was told to contact the mortgage consultant. I forwarded her my documents and had an 45 mins conversation with XXXX XXXX XXXX XXXX # XXXX the origination officer. I asked repeated when and why he fail to asked me to lock my rates prior to closing. Outside of apologizing profusely he no answer for me. Although it was not intentional and this human error, this mistake on XXXX XXXX. XXXX cost me an excess amount of {$13000.00} ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
None of the choices were about my complaint but it made me choose one. I am reporting Midland Credit Management for continuing to report inaccurate information on my credit report. I agreed to pay my FULL BALANCE of what I owed to a past credit card. I had a balance of {$1500.00}. I have been paying {$150.00} a month since last summer and have paid down my balance to {$380.00}. Every month they report as though this is a new debt with the high balance being each months new balance. This continues to NEGATIVELY impact my credit score because they are FALSELY reporting my HIGH BALANCE and then what the remainder is. I have contacted them and basically was told tough luck, thats the way we report. This is unfair and should be IMMEDIATELY remedied. I did not shirk my responsibility nor negotiate a lower debt to pay, even though I could have chosen those options. The LEAST they can do is report my debt and payments correctly! Every month I get a notification that my debt collection needs attention because they change my high debt amount to the new balance owed. I am sick and tired of this company getting away with improper and unfair reporting and wish for a complaint to be filed against them and my account to be reported fairly. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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: NJ

Complaint narrative:
I was a victim of Identity theft and previously had the debt removed from all credit reporting agencies but Experian is refusing to remove again. I have submitted supporting documentation showing that I'm currently involved in a civil case with XXXX XXXX. i requested all debts be removed pending the outcome of the court case. Once the facts are heard in court they will actually owe me money. 

XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$14000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$14000.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$14000.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation  Info This item was updated from our processing of your dispute in XX/XX/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 2021-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
{$17000.00} in portfolio sold off fraudulently on XX/XX/2021 between XXXX all of my Coinbase was sold off to another account / email which I am in possession of I did not authorize this transaction. I notified coinbase and was given a case number they give me automated answers and no real response they are completely liable since I did not authorize any of my account to be sold off ETH XXXX @ XXXX am ( {$10000.00} XXXX XXXX XXXX @ XXXX ( {$2500.00} ) XXXX XXXX @ XXXX ( {$1000.00} ) BTC XXXX @ XXXX ( {$2000.00} ) LTC XXXX @ XXXX ( {$620.00} ) LINK XXXX @ XXXX ( {$620.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: LA

Complaint narrative:
I realized my check had a garnishment on it on XX/XX/XXXX, did not know why this was and contacted the employer who had to check to see what it was about, I was not previously notified by either the collection agency or my employer. The employer sent me over a form letter sent to them by ECMC stating I had a defaulted student loan, when I contacted ECMC from the number on the form letter sent, I spoke with XXXX who stated the student loan was from XXXX which was odd since I have only had grants for my higher education, I told her this showed on my credit several years ago and was removed and now they were attempting to re-age this by stating it happened and was received by them on XX/XX/XXXX -- -again this does not make any since. I asked for a copy of the signed loan for verification of this debt, on XX/XX/XXXX and to date have not received this information, however the employer is still taking money from my paycheck. According to the form letter sent they will continue to charge interest while money is being taken from my account. In XXXX I had another company contact me about this same issue and then refused to provide me with the documentation requested, never heard back from them, so ECMC again bought this loan again and this time begin garnishing my money. As I stated to my employer I thought I should have had prior knowledge of this from someone, and did not, also, when I asked XXXX of ECMC about prior contact her reply was someone told her the number I called from was not my number and that they sent a letter ( not a certified letter, just a letter ), which again, I did not receive. So I have no proof that they truly sent the letter and i did not reply nor do I know how they got my phone number, as I did not previously give this number to them to even contact me. I was given reference number of : XXXX to provide to a loan locator at ( XXXX ) XXXX, I again asked for documents proving this loan. I was able to go to a website and pull the same form letter used by this company for a garnishment, which disturbs me that it is that easy to do and then send to an employer who just takes the document ( which has no legal stamp or anything on it ) and begin garnishing money. I would think I could do the same think if form letters and not court orders are necessary these days ... .too much power and authority is given on these student loan collections ... .a loan from XXXX has been written off, how many times.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I received an opportunity from US bank to do a 0 % balance transfer with a promotion apr until XX/XX/XXXX. I already had the US Bank credit card and had a {$2800.00} balance with a 0 % apr until XX/XX/XXXX. Prior to initiating the balance transfer, I contacted US Bank to confirm that if I did a balance transfer that all payments would first be applied to the older balance ( {$2800.00} ) with the 0 % apr that was expiring XX/XX/XXXX. I was guaranteed that this was correct and all payments would first go to the older balance. In XX/XX/XXXX I made a {$2000.00} payment, expecting that the payment would go to my old balance before the balance transfer and that did not happen. I contacted US Bank this morning and was told that although the payment should have been applied to my old balance, their computers are set up in such a way that the payment first goes to my balance transfer amount rather than what I was previously told. I would not have made a balance transfer until I paid off the {$2800.00} had I known this would happen. Now IS bank tells me that there is nothing that can be done to remedy this problem, despite acknowledging that the payment was incorrectly applied. I was told I would have to wait until XX/XX/XXXX when the apr increase to 23 % and then my payments would go to the balance with the higher apr. US bank defrauded me and probably other consumers by incorrectly applying payments in order for promotional aprs to expire in order to collect high interest rates.

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 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: TX

Complaint narrative:
On XXXX, I received another call from D2 Management wanted me to take a message for XXXX XXXX which one of many calls. They are calling me on my cellphone and not the home phone. Any creditor I have does not have access to my mobile phone number. 
The last person I spoke to was asked to remove my phone number and to cease calling me. I called spoke XXXX-to phone to request a cease and desist with the phone calls. I told her I do not give my mobile number to any creditor nor anyone else but family. She says so you are XXXX and continued to ask how they got my phone number ..she says youre only making it harder on yourself and we will get you. After threatening me, XXXX hung up in my face so I call back for an address. She placed me on while I was talking then came back to phone. I told I would file the complaint through an agency. I do not owe anything to any creditors nor do I owe any money to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc.
State: KY

Complaint narrative:
Due to a " glitch '' in EarnUp 's system they did not make the payment on time to my mortgage company and caused me to have a late payment. I've never been late on a payment in the almost 6yrs that I've had my mortgage. I called and they " fixed '' the problem and said that they " hoped '' to have my payment made the same day. I also filed a complaint with the supervisor who told me that he couldn't connect me with a manager as he didn't know their number and that I would have to file a request for a manager to call me in 3-5 business days. It has been 9 business days and I still have not received a call. I called again and I was told that I would need to file another request and that they " should '' contact me in 72. I've called every day for the last 4 days to file a request. I was finally able today to speak to someone at their corporate headquarters who did give me the names of the managers, XXXX or XXXX but stated that it wasn't guaranteed that they would contact me. The contact policy regarding complaints seems to change every time I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.

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 2021-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.

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 2021-03-26 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XX/XX/XXXX, someone fraudulently applied for a Lowes credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. SynchronyBank stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning 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 non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was notified by mail on XXXX at my current address that an account with CitiBank had been opened in my name and they were contacting me to confirm the information. Around the same time, my parents received account information in my name to their home mailing address. I have never lived at that address and my parents did not create the account. My mom gave me the account number and I followed-up with Citi. The account had been closed as a result of them being unable to identify my recent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I believe there is a billing discrepancy I was billed for what I pumped as well as the prepaids - my card was charged twice for something I did not receive. 

For example : XX/XX/XXXX XXXX pumped {$25.00} worth of gas however I was charged {$51.00} ( {$50.00} was what I prepaid - including an additional {$1.00} for?? ) on my statement I was billed {$77.00} In addition, from my experience at XXXX XXXX XXXX XXXX gas stations, it seems as though they practice meter creeping because I got charged but my gas tank never filled up as I did not receive the gas from the pump. A lot of times, the pumps are out of gas.

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 2021-03-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
On XX/XX/2021 I received an alert that a collection hit my XXXX  and XXXX reports from Southwest Credit Systems. I have not received any previous communication at ALL regarding this amount due. I have sent written requests to this collection agency that has not been responded to. Also, they are reporting a balance of {$330.00} to XXXX  and {$190.00} to XXXX. I believe I have given this company enough time to provide information showing how they calculated what they say I owe and to provide copies of paperwork showing I agreed to pay them anything. 

Please remove this from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation