vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: MI

Complaint narrative:
This is outrageous! I've continiously reached out to Transunion and XXXX about accounts, inquires, addresses, phone numbers, and more that I belive do not belong to me. They've shown me no proof, no signed documents, no response, nothing! These credit companies are not even complying with their own policies withen a timely matter. I take my report very serious and this dilemma has held me back from important opportunities.

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 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC System has placed a wrongful derogatory mark on my credit account based on fraudulently charged fees on an already closed cable account. The original alleged debt came from XXXX XXXX XXXX. All equipment was returned in person and services stopped on the last day of then-current billing cycle. XXXX XXXX XXXX continued to bill me despite the account being closed and in turn sold the incorrect debt, which has been sold now several times over. I have successfully removed this debt from my credit several times in the past already, but it continues to come back as it continues to be fraudulently sold when the owner knows full well it is a debt I do not owe.

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I've been investing in XXXX since 2016 through Coinbase. As of XX/XX/XXXX I was unable to get into my account or even use the app at all. They have a message that says they closed my account but gave me zero warning. After submitting complaints they send me a automated mess that says in can withdraw my money, $ XXXX, but the app doesn't work and the website only gives me the option to close account. I want my hard earned money and their business practices are obviously legal. I've tried to be civil about this. All I want is my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, My current address is XXXX XXXX  XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have requested the following information from the company that is claiming to own a debt that I never agreed upon with them as a creditor : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I did have a car loan with HONOR Finance  that was paid as agreed from XX/XX/XXXX - XX/XX/XXXX. Westlake is reporting that I opened an account with them in XXXX of XXXX ( to my Credit Report ) and that there is a date of last activity in XX/XX/XXXX. There has never been any activity with Westlake Financial and an account was not opened with them in XXXX of XXXX. 
The company is stating that a repossession occurred with their organization based on a loan that I agreed to pay with them which is simply not true. The above requested information in regards to said repossession has NOT been provided to me. I have also requested the signed Retail Loan Agreement stating Westlake as my lender.

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 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: OR

Complaint narrative:
My issue has to do with an existing mortgage, but the categories available doesnt fit my issue. I am setting up a revocable living trust and reached out to our mortgage company ( Home Point Financial Corporation ) on XX/XX/21 to inquire if a due on sale clause will be invoked should I transfer title of the deed to our home to our names as trustees of the trust. I also informed the supervisor that do not wish to make any changes to whom is responsible for the loan itself. Our individual names will still be on the loan and the trust will not be listed as the payor of the mortgage. We spoke to a supervisor who was unable to answer our question so we requested to speak to someone in the legal department to see if they had the answer. Home Point refused to transfer us to the legal department and in addition refused to provide an answer over the phone or in writing. I believe this is a common situation that should be easily answered in writing, but they refused to do so and would not give us a legitimate answer on why they would not provide it in writing. I also know that it is illegal to invoke a due on sale if I transfer the title of the deed to our home to the trust, but they refuse to acknowledge that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I opened my lease with XXXX XX/XX/XXXX and initially had set up my payments to be drafted by Honda from my XXXX XXXX bank account. In XX/XX/XXXX I submitted a change to have Honda draft my payments from my XXXX  XXXX XXXX account. I started getting payment reversal letters but not understanding why because my account had the funds for the payments to be drafted. I called XXXX and no one could seem to explain to me what the problem was. As a result of this XXXX started assessing late payments too. Today, I called XXXX  XXXX XXXX to try to get to the bottom of this and the customer service person I spoke to said they did not see any attempts from XXXX to draft my payment from my bank account so I do not understand why XXXX was reversing the payments I was scheduling to be made nor do I understand how they can assess late charges to my account and in XX/XX/XXXX reported my account delinquent to the credit bureaus. I ended up having to schedule a payment from my XXXX XXXX account. My account is current however it should have never not been. I don't know the inner workings of XXXX 's auto draft system or if it had a glitch but you can see from the transaction history I was scheduling my payments to be made on-time. I called XXXX today to see if they could explain why they were reversing my payments without ever attempting to auto draft from my account and they could not explain this to me. When I asked about them reporting me late when I had scheduled the payments on-time to be auto drafted by XXXX the customer service person refused to provide a letter to remove the delinquency reporting and so now I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Holder of Mortgage : Loancare , LLC NMLS ID XXXX I have been requesting the ORIGINAL Documents ( Stock and Lease ) for us to schedule a Closing date, as we have a buyer for our apartment. Our initial request date was around XX/XX/2020. 

Since then, we have yet to receive the information. I have been calling on a regular basis and have been given the wrong information. Some of their Representatives dont even know what Im asking for. I was told it was sent out but it never was. 

Below is a small list of your Representativeswho will be included in complaint : They had no idea what I was talking about They lied and said information was sent out They asked how to spell " affidavit '' ( clearly not the smartest ) They said they would call and follow up - never did XXXX XXXX - ID # XXXX XXXX - ID XXXX XXXX  - ID XXXX  XXXX - ID # XXXX XXXX - ID # XXXX Ms XXXX XXXX XXXX XXXX XXXX, Arizona ) Ms XXXX XXXX - ID # XXXX XXXX - ID XXXX Ms XXXX ( Supervisor ) ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX ID # XXXX XXXX, XXXX, XXXX, XXXX, XXXX Shame on me for not getting their ID numbers but this was in the beginning of me trusting Loancare would supply me with requested documents on a timely manner The latest phone call was with Supervisor XXXX in XXXX ID # XXXX, actually dismissed me and hung up. Stating that they are working on my finding our documents. 
No definite response, no follow up email for me to forward to lawyer. No direct information for their lawyers. 

I dont know where else to turn and would appreciate any help that can be offered

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 2021-02-06 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Almost every day, a collections agency keeps reporting the same wrong collections to XXXX  and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power MIDLAND CREDIT collections which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This is a complaint about the company Money Network who is contracted to issue/oversee the Economic Impact Paymant ( Stimulus ) card, My complaint is that I am having a great deal of difficulty withdrawing money without being charged fees, Today ( XX/XX/21 at approximately XXXX XXXX  I went to XXXX at XXXX XXXX XXXX XXXX CA XXXX to withdraw the money from my card at the XXXX ATM. I input the card and correct pin number and the machine cancelled the transaction ( no explanation given as to why. ) At approximately XXXX XXXX  my husband went to the XXXX XXXX  at XXXX XXXX XXXX XXXX  CA XXXX and attempted to withdraw money only to be told there would be a XXXX fee charged, despite it being a XXXX  ATM. We obtained both of these locations off a online list as suggested by Money Network. 

A telephone call to Money Network ( which makes callers listen to lengthy informational messages and push multiple prompts before getting help ) reported that though the XXXX XXXX location ATM was an XXXX ATM, it wasn't an 'in-network '' XXXX ATM. How can the public naviagate this purposefully confusing system? The only explanation for such subterfuge that I can think of is that Money Network hopes consumers will just give up and pay the fees, which is outrageous during a pandemic. 

There should be no fees associated with obtaining Stimulus funds -- period. A clear list of the location of truly fee-less ATMS should be provided to every payee with the card itself. The money should be easily assessible without multiple tripss and surprise fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: AR

Complaint narrative:
I pulled my credit report from TransUnion on XX/XX/XXXX and discovered under " Special Messages '' a message that said " INPUT CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' This is untrue. I live in a single family residence. You can XXXX  the address and see that my home is a single family home. I called TransUnion and asked them to correct this information and was told that it was done. 
I pulled my TransUnion credit report on XX/XX/XXXX and discovered that the message still existed under " Special Messages. '' I again called TransUnion and was told to send a copy of my driver 's license and a current bank statement and the message would be removed. I sent the requested information to TransUnion. 
On XX/XX/XXXX I again pulled my credit report from TransUnion and this information is still being erroneously reported on my credit report. I again called TransUnion and was told to send in a copy of my driver 's license and a current bank statement, even though the person I talked to told me that he could see that I sent this information in last year. I complied with his request and resent a copy of my license and another current bank statement. In the mail today, I received a new copy of my credit report from TransUnion. The Information that my address is a hotel/motel or temporary residence is still on the report. The exact wording now is " FILE CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' I have asked that this be corrected three times, beginning in XX/XX/XXXX. Under the Summary of Rights that TransUnion sent me it says that " Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. '' I have waited long enough for this to be removed.

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 2021-02-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was alerted that XXXX hackers had infiltrated my IPS on my computer and had charged a total of {$20000.00} to three different XXXX XXXX sites. I was instructed to work with a representative from Discover card to delete these charges. I was told that the charges had been made as a customer designated purchase and I would have to use gift cards to override the purchases and reclaim my money. [ I have said XXXX  enough times that you don't have to. ] The Discover contact used the phone number of XXXX XXXX XXXX. I gave him the gift card info from XXXX 's, XXXX 's XXXX, XXXX XXXX, and XXXX. I did not give credit card numbers. I have called all of the credit cards to ask for help but they said that this does not count as fraud. To my deep shame and great regret, he XXXX  me for {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
Due to covid, I was laid off from my job and decided to cancel my XXXX XXXX membership. I contacted ABC Financial ( XXXX ), the third party billing company that handles their memberships, to cxl the membership. I spoke with XXXX and was told a request needed to be submitted in writing. Written request was submitted XX/XX/XXXX. Received response back confirming a pending cancellation on XX/XX/XXXX. This letter also stated any outstanding charges would draft from my account automatically ( auto withdrawals are set up through my bank ). 
Separately, an email to all members was sent out by XXXX XXXX on XX/XX/XXXX stating that they would be ceasing billing for all members due to the covid pandemic. 
In XX/XX/XXXX, I began receiving calls from a debt collector in California, XXXXXXXX XXXX XXXXXXXX. When I called back the number, a man named XXXX XXXX ( XXXX ) spoke to me in a condescending, argumentative and extremely unprofessional manner. He practically laughed mockingly at me and demanded close to {$400.00} for delinquent gym fees. I explained my membership had been cancelled and he did not want to hear it. I asked for a simple explanation of charges, totals, fees any backup he could provide - he would not elaborate. He was arrogant, spoke with a loud angry tone and it made me extremely uncomfortable. I felt threatened. 
I reached out to ABC Financial, the third party billing company that XXXX XXXX uses ; I spoke with XXXX again who told me the account had already been transferred over to XXXX XXXX  so she could not speak any further about it. XXXX was able to at least tell me I was responsible for one last month due to the terms of my membership totaling {$49.00}. I then prepared a check in this amount to XXXX XXXX which was mailed to XXXX XXXX XXXXXXXX in XXXX XXXX California XXXX. 
A few weeks went by without any calls but I now have again heard from XXXX, today receiving a message from XXXX XXXX. 
After XXXX this company online, I was not surprised to see many other people with similar experiences. These people are relentless and I feel I fairly paid what I owed, even with the gym offering to forgo charging its members. I do not feel I should be held accountable to any late charges or the XXXX XXXX from these ruthless people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received a letter from Citibank informing me that they had downgraded my credit card from an {$8600.00} Credit Line and {$2000.00} Cash Advance Line to a {$1000.00} Credit Line and {$0.00} Cash Advance, on my CitiBusiness AaAdvantage credit card. 

The letter stated that Citibank received a credit score from XXXX  for me of XXXX, which they used to make this decision. However, when I logged into my " XXXX  '' account, I found that my Credit score was XXXX ( Excellent Credit ), which is the credit rating that I believe I always had. 

Citibank sends periodic " Soft Inquiry '' requests to XXXX to insure that my credit rating has not changed. I believe that Citibank somehow either received an erroneous response to their last Soft Inquiry from XXXX, or that CitiBank had some processing issue and did not process the XXXX report properly. 

I can not get either CitiXXXX or XXXX to provide me with a copy of the Soft Inquiry in question. CitiXXXX refuses to re-instate my previous credit line, even though I have excellent credit and my current credit rating as of XX/XX/2021 is XXXX on XXXX. Citibank suggests I should dispute the credit report that they received from XXXX, but they will not provide me with the report that caused them to downgrade my credit. Since my credit rating/report/score on XXXX is near perfect, I don't have any cause to dispute information on their website, or with the credit report that they provide to me directly. 

I need help to force CitiBank, and/or XXXX to provide me with any documents that caused this downgrade. 

Thank you for your help

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Around XX/XX/2020, I was sent money from my uncle to help pay for bills and other living expenses that I had at the time and PayPal limited my account and asked for specific info and documents to verify my identity at which point in time those things were provided without delay. A few days later I was informed that I could no longer use their services and that I had to wait up until 180 before I could receive my funds. Fast forward 180+ days and no one at PayPal can tell me anything as to why I still cant get my money after 6 months of being inconvenienced already.

Company response to consumer: Closed with explanation