vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: Receivable Collection Services, LLC
State: NJ

Complaint narrative:
DEAR SIRS, THESE ACCOUNTS HAVE YET TO BE VALIDATED AFTER REACHING OUT TO THESE COMPANIES OVER THREE TIMES REQUESTING VALIDATION. PLEASE ASSIST ME IN SOLVING THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY XXXX XXXX XXXX XXXX N-REWARDS CREDIT CARD FOR THESE DATES XXXX XXXX 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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY XXXX XXXX XXXX XXXX N-REWARDS CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NY

Complaint narrative:
Coin base allowed someone to change my password, access my account, and start liquidating crypto. I contacted them during the crime and requested my account be frozen. The thief has several outgoing transfer is pending which coin base thats far has blocked but I want to ensure they do not go out and I would like to salvage whatever money I have left. Coin base has not responded to any of my Messages and does not have any outgoing call center or I call XXXX or you can call him to discuss

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation under the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. I WANT TO EDUCATE THE COMPANY THAT A CONTRACT OR ITEMIZED BILL/ STATEMENTS IS NOT A METHOD OF VERIFICATION AND PURSUANT TO 15 USC 1692G I AM THE ORIGINAL CREDITOR SO ONLY I CAN VALIDATE THIS ALLEGED DEBT AND I DONT VALIDATE THIS ALLEGED DEBT SO I NEED THIS ALLEGED DEBT REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I CAN SEEK MONETARY RELIEF FAILURE TO PAY WILL RESULT IN US JUST SETTLING THIS OUT IN COURT I HAVE THE LAW ON MY SIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I was never notified that my debt was going to collections. I was never sent a letter, a phone call, or a email informing my debt was going to collections. I was on a payment plan for this debt and stopped receiving notifications. The only reason I was notified of this {$920.00} dollar debt was I received a notification on my credit report. When i contacted the debt collector they did not have my phone number or address on file.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
call this company ( Security Credit Services ) several times to no avail l was told name and address giving them does match their record, l was told l made {$1100.00} payment last month l told them to provide me proof that l made this payment they declined. l believes Security Credit Services doing an illegal act to re-age a credit account by declaring that l made payment. And they could not ( Security Credit Services ) provide me proof of payment Security Credit Services must remove this account from my credit profile. 
Account Number : - Creditor : - XXXX SECURITY CREDIT SERV

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Phoenix Financial Services LLC
State: GA

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Service Bureau, Inc.
State: TX

Complaint narrative:
MIDWEST SERVICE BUREAU, INC CALLED MY PHONE NUMBER XXXX. MY NUMBER IS LISTED ON THE XXXX REGISTRY. THEY ASKED FOR XXXX AND I TOLD THEM THIS IS MY PHONE NUMBER WHICH I HAVE HAD FOR SEVERAL YEARS NOW AND I DO NOT KNOW A XXXX. I ASKED SEVERAL TIMES FOR THE COMPANY NAME BUT THE EMPLOYEE XXXX REFUSED TO GIVE ME THE COMPANY NAME, TOLD ME IT WAS A WRONG NUMBER DIALED AND HUNG UP ON ME AS I WAS TALKING ( ASKING FOR THE COMPANY NAME AGAIN ). I HAVE BEEN RECEIVING CALLS FOR YEARS NOW ON THIS PHONE PERSONS CALLING FOR XXXX, I DO NOT KNOW HER AND I HAVE ALWAYS TOLD THEM MY NAME AND THAT THIS PHONE NUMBER BELONGS TO ME. MIDWEST SHOULD HAVE SEEN ON THEIR NOTES IN THE FILE THAT THIS PHONE NUMBER DOES NOT BELONG TO XXXX ANYMORE AND A SKIP TRACING WOULD HAVE SHOWN THAT THE NUMBER HAS CHANGED HANDS, BEEN RECYCLED AND IT NOW BELONGS TO SOMEONE ELSE, ME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Boone & Associates Group LLC
State: ID

Complaint narrative:
I received a voicemail on Friday, XX/XX/XXXX. My ex husband also received calls Friday and today, XX/XX/XXXX. The company, Boone and associates stated to me ex husband that they were going to sue me for an online loan taken out in XXXX. I left them a voicemail today telling them that I did not take out an online loan. I called back after my ex husband stated they contacted him again. I asked that they cease and desist in contacting anyone via telephone and told them via voicemail that I never received info about this debt via a validation letter and to send one. I also informed them that I had fraud happen during the timeframe of XXXX.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Account opened fraudulent in my name company never fixed problem and pay balance but company but the company continues to report delinquency in the account that was paid with the attempt to remove it and it continues to affect my credit score because they do not stop reporting violating my rights even more

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 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: IL

Complaint narrative:
I lost my job due to COVID in XX/XX/2020. At that time, CarMax Auto Finance had told me the only options were to defer a payment to the end of my loan. I agreed to do this and was told to call back frequently to see if they would have any other relief due to the pandemic. I called to check in and each time was told that there was no longer any COVID relief available, even though COVID was/is still very much real. I asked what options I had if there were ever a time I could not make a payment by the due date, as I was unemployed and unsure how to make all my payments. I was told that I could make my payment by the following due date to prevent it from being marked late with the credit bureau. I did exactly that. I noticed I had a missed payment reported to the credit bureau and called to inquire about this. When I called, I was told by the representative that she could not believe I had been told I could make my payment by the following due date because that would mean I was building interest that entire time. I was shocked to say the least, since I was never told this. I told her that with their calls being recorded, they could listen to all my previous calls to hear that MULTIPLE people told me to just pay by the XXXX of the following month. I now have so much interest accrued that I owe more than the vehicle is even worth. I have had issues with the actual car since I purchased it, which CarMax is fully aware of. Those issues makes the car worth even less than they sold it to me for, so now they are profiting off of lies and deceit. I have used CarMax for 15 years and am so disappointed in this neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I block my password in my Coinbase account, I send an email and the company respond on XX/XX/XXXX under case # XXXX saying that they will work on my case to reset my password and make a follow-up as soon as they have an update. After that nobody contacted me, I called several times to Coinbase phone number XXXX XXXX and they don't give options to talk to a customer service or support. After that they send me an email with the instructions to reset my password to access to my account and doesn't work either. On the XXXX of XXXX they send me a new email saying that they send my case to an specialist who is reviewing my case ...??? until when nobody knows??? and until today nothing happens. I'll send several email with my complete name and cell number, information about my account, etc and until today nothing happens at all. I just want to access my account to check my XXXX and it is impossible with these people. I'm really frustrated, Thank you very much in advance,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 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: MI

Complaint narrative:
I am a victim of identity theft. Some is attempting to open accounts in my name

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: TX

Complaint narrative:
During COVID - Discover offered " low interest '' XXXX card. Obtained XXXX XXXX - then in XXXX 2020 got XXXX. Made minimum monthly payments. " Discover automatically '' reviewed my accounts - no missed payments etc - and " reduced my credit limit '' to the actual balance on their cards as a credit tool. 

Caused scoring drop that as now " cascaded '' down into the XXXX And after i paid them nearly " off '' they say " cant increase your limit as you are not using our cards '' Yet cards are paid on time. 

SCAM AVOID DISCOVER DL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
When I make my payment via their website on the same day that it is due, the payment should be credited to my account that same day. Instead, they've set an unreasonable cutoff time of XXXX Eastern time. I live in XXXX time, so XXXX Eastern time is XXXX my time, which is at the end of a typical work day. When I work 10-12 hour days, I can never pay by the exact cutoff time on the due date, as I can't always interrupt my work day to make the online payment, which I pay manually. When I first signed up for the Lane Bryant credit card by Comenity, they didn't have this ridiculous cutoff time for payments. This is a change that they've made after I already agreed to previous/different terms of service. This is an unfair business practice. They are setting the consumer up to have a late payment and, as a result, a late charge. It's a disgusting attempt to boost their fee income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had a charge with Discover card which Discover card kept repeating charge a $ XXXX fees every month even it is not 30 days grace period billing cycle just like other credit cards that I have plus very high interest rate that i requested them to reduce but they denied. Discover Card has been abused my credit profile and trying to make money on me by keep adding late fees even they had called me on the phone and agreed and accepted the last payment {$200.00} even the balance around {$400.00} and they did not keep the agreement not to charge me the late fees meanwhile after the payment discover charged again late fees {$40.00} which they have been abused to make money on me and they had challenged me to get help from FTC or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was sent communication from Discover that I had a past due balance, with no communication regarding a penalty of closing my account if I did not pay the past due balance. On XX/XX/2021 I paid the account balance of {$7000.00} in full. On XX/XX/2021 my account was closed. 

The Discover representative that I spoke with today, XX/XX/2021, didn't know why my account had been closed either. The only note on my credit report is that the account was closed by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since last year XX/XX/2020 I have been requesting Equifax to correct my information on my report but I have not received any response from this company. On XX/XX/XXXX I finally got a live rep who answered the call from XXXX, rep named XXXX. He was extremely unprofessional, very rude and asking me to send my pictuires and credit card info to him, initially he stated his name as XXXX, and then when I asked him to transfer the call to his supervisor, he hang up. Such a horrible, unethical, bad service! 

I was recently notified by a car dealership that they pulled my credit and alerted me of some info which I didn't agree and had no knowledge. So I called Equifax and this rep in XXXX refused to send me a Free Credit report. Instead he was asking me to send my pictures and credit card. I am just extremely shocked at the level of this service and unable to get anything done for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I have paid off the debts and they refuse to remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have not supplied proof under the doctrine is estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exists. 

WE HAVE ATTEMPTED TO CONTACT THEM ; HOWEVER, THEY CONTINUE TO REPORT THE FRAUDULENT ACCOUNT WE HAVE FILLED OUT AN IDENTITY THEFT REPORT AND A CFPB REPORT. WHICH THEY HAVE IGNORED THAT ALONG WITH XXXX XXXX OF THEIR SUPERVISORS. MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION XXXX XXXX B ) XXXX XXXX A ) XXXX XXXX ) ( A ) AND FCRA U.S.C XXXX. REMOVE IMMEDIATELY AS THIS IS A VIOLATION TO THE FAIR CREDIT REPORTING ACT!!!!

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 2021-07-13 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: PA

Complaint narrative:
Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.

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