vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my name only go by XXXX on driver lic and applications

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 2021-03-13 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
A third party collection agency, National Credit Adjust ( NCA ), has illegally reaged an account on my credit report with all three bureaus. I sent a dispute letter to the bureaus and to the collection agency stating that NCA reaged my account to make it appear that I opened the account on XX/XX/XXXX. The original date on the account was XX/XX/XXXX. Please help! Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES THAT ARE ON MY CREDIT REPORT THAT I HAVE NEVER LIVED AT OR BELONG TO A RELATIVE : XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX. XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX PLEASE DELETE THESE NAME VARIATIONS THAT ARE ON MY REPORT : MY CORRECT NAME IS XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES THAT ARE ON MY CREDIT REPORT THAT I HAVE NEVER LIVED AT OR BELONG TO A RELATIVE : XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX. XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX PLEASE DELETE THESE NAME VARIATIONS THAT ARE ON MY REPORT : MY CORRECT NAME IS XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
Starting XX/XX/XXXX I havent been able to selling my Bitcoin and withdraw the funds. Every time I try it tells me there was an error and to try again. Then I get an email telling me my transaction was canceled. Ive been reaching out to support but havent gotten a response thats been able to fix my problem. Ive tried selling it again this morning and its still giving me the error. Please help in anyway you can. Its a lot of money to me that I dont want to just lose because of a companies poor ethics. My name is XXXX XXXX and my account username is XXXX Please help me with getting my money back from coinbase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I made contact two times in XXXX and XXXX via telephone to XXXX and then formally in writing on XX/XX/2021 to determine the process for eliminating Private Mortgage Insurance on my Loan with Mr. Cooper. With the telephone attempts, the " PMI Specialists '' were unable to 1 ) Locate the documents they needed to answer my question ; and 2 ) Said they didn't know how to answer my question which was specifically to tell me ( and send me ) the steps to follow for cancelling PMI. I find this hard to believe as this must be a very common question. 

I researched their online documentation and am confident that I meet the criteria to end this insurance as : 1 ) This loan has never been late and is paid ahead.

2 ) Original Loan was {$310000.00} and current balance is {$240000.00} = ratio of 80 % 3 ) Property Value has risen to {$340000.00} and current balance of {$240000.00} = ratio of 71 %. 

Per their instructions on my billing statement, I have written a formal request and addressed it to their RESPA Qualified Written Request address and still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken Loans refused to provide a Good Faith estimate on a refi mortgage that they already held the mortgage. I asked for it for over three months XXXX. When the notary showed up to close our refi, I told her I wanted to see the numbers. When I received The HUD-1, I was shocked to see well over {$10000.00} in closing costs on a loan they currently held. I stopped the closing. Reps from Quicken berated me for wasting their time. I again asked for a Good Faith Estimate. The Quicken rep said they dont do that. I explained it is law that they provide me with the numbers so I can make an educated decision. They refused to provide it and screamed at me for not closing. After speaking with me, they called my husband and tried to pit us against each other. We laughed that they would use middle school tactics to come between a husband and a wife. So unprofessional. Now they wont leave me alone. They continue to infiltrate my email beating me up trying to get a loan out of me. I delete and block every correspondence from Quicken. After hundreds of requests to leave me alone, they send two or three emails for everything one I block or delete. Their strong arm tactics should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
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 non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX - XXXX {$0.00} Balance updated XX/XX/2020 Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2020 Account type Revolving Usage : 0 % Balance on XX/XX/2020 Credit Limit {$0.00} {$25000.00} Payment Info Status Pays account as agreed Status date XX/XX/2020 Past due amount - Highest balance $ 67 Monthly payment - XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2020 Account type Revolving account Balance on XX/XX/2020 Credit Limit {$0.00} {$8000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/2020 Past due amount {$0.00} Highest balance {$7300.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 - - - - - - - - - - - On Time - Data Unavailable

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 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX, XXXX 2020 I made a XXXX  transfer over $ XXXX with XXXX XXXX to XXXX XXXX in order to buy a little piece of land. When the money arrived the bank in XXXX XXXX ( XXXX XXXX DE XXXX XXXX XXXX ) refused to forward the money to the account holder and requested documents to prove the origin of the funds. During a period of 30 days, the bank asked for several documents which we all instantly provided. I went several times in person to the bank, together with the account holder. I called the bank almost every day to make sure they received the documents and also asked for the status. The $ XXXX are my savings over the last years from my work as a freelancer and with the land purchase, I wanted to make a dream come true. This dream turned into a nightmare, however. In XXXX, XXXX 2020 the transaction was rejected for the reason that I couldn't prove where the funds come from. I consulted XXXX and they offered me to do a recall which they initiated on XXXX, XXXX 2020. Until today, there is no update on the recall nor did my money come back to my account. I'm on the phone with Transferwise on a regular basis but they say there is nothing I or they can do but wait and that the problem is the intermediate bank. The intermediary institution is CITIBANK XXXX, XXXX XXXX XXXX NEW YORK.

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 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX - XXXX {$0.00} Balance updated XX/XX/2020 Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2020 Account type Revolving Usage : 0 % Balance on XX/XX/2020 Credit Limit {$0.00} {$25000.00} Payment Info Status Pays account as agreed Status date XX/XX/2020 Past due amount - Highest balance $ 67 Monthly payment - XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2020 Account type Revolving account Balance on XX/XX/2020 Credit Limit {$0.00} {$8000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/2020 Past due amount {$0.00} Highest balance {$7300.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 - - - - - - - - - - - On Time - Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Investigation took more than 30 days
Company: Byrider Franchising, 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 2021-03-13 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: AZ

Complaint narrative:
XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XXXX/XXXX/XXXX  2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
This was a bill for {$350.00} which was paid by my insurance company to the Ambulance company, Now the a collection from an unknow company trying to collect {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Investigation took more than 30 days
Company: CCS Financial Services, 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I had a collection that was removed and my credit score should have gone up but it dropped by 50 pts instead. I have and excellent payment history and it should have increased significantly. I believe that Transuinion is purposely keeping my credit score down to keep me from obtaining credit that I should have access to

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 2021-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Four Directions Lending LLC
State: AZ

Complaint narrative:
I was told I was approved by this company then was taken to a secure site to verify banking info then the page just kept saying hold for over 20 minutes so I called them, the representative who answered said I was denied! I ask them why, he refused to tell me that i would find out later when they sent me a letter, i informed him no that it's the law to disclose that information to me, he still refused after arguing for over 15 minutes and asking for a supervisor on duty he still refused would not provide a supervisor and then i told him if the supervisor wasnt there I'd call the labor board!! He then said i was denied because i had no direct deposit shown in my account, now this really concerned me because 1 that dosent make sence and 2 there is a direct deposit! So i said i needed the supervisor immediately, he said they would call me back, I said no I will hold he refused said they would call me back, I told him I would hold let the supervisor no I'm holding to speak with them and the representative still refused said they would call me back and hung up! I then called back got a different representative and ask for a supervisor explained what the last gentleman did and said I needed the supervisor on the phone, this representative also refused! I explained if they didnt get a supervisor I would have to report this buisness for breaking labor laws, refusing to produce a supervisor as requested and proceed to investigate the legitimacy of this buisness and seek action against the argumentative employees as well as the fradulent actions of obtaining personal information from me as a consumer and not explaining the steps taken as to why a denial by a financial institution without legitimate reason! They still refused a supervisor, corporate phone number or contact, and hung up on me again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: AZ

Complaint narrative:
XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX/XX/XX/2016 and then again in XXXX/XXXX/XX/XX/2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.

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 2021-03-13 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 — Investigation took more than 30 days
Company: Convergent Resources, 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 2021-03-13 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 — Investigation took more than 30 days
Company: SUNCOAST CREDIT UNION
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