vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/19 my mortgage lender tried to pull my credit so that they could get me pre-approved for a home loan. I was advised from my mortgage lender that when they pulled my credit they were unable to see any data on my Equifax and that they would not be able to pre-approve me without this information. My mortgage lender recommended that I call Equifax and inquire why my information is not reporting. At XXXX cst, I called Equifax at XXXX and spoke with a lady that was able to pull my file and confirmed that all my personal information was reporting correctly and that she does not see why the mortgage lender is not able to see my report as I do not have any alerts and/or freezes on my report. I asked her for my report number so that I could give it to my mortgage lender in hopes that it would help. She gave me my report number and also gave me their Business Line number ( XXXX ) to give to my mortgage lender. I called my mortgage lender back and gave him all the information. On XX/XX/19 at XXXX cst, my mortgage lender informed me that he pulled my credit file again and that Equifax is still not reporting a credit score and not showing any information on my file. He asked that I call them again and ask why they are not reporting my creditors and information. At XXXX cst, I called Equifax again at XXXX, the first guy I spoke with told me that this is not their responsibility to report my information and that it must be a typing error on my mortgage lender. I assured him that my mortgage lender has all the correct information and that I need to know why my credit file is not reporting a score and any of my creditors. He kept reiterating that it is not their responsibility and that it is an error on the mortgage lender. I simply hung up and called again. The guy I spoke with this time informed me that he does not understand why the mortgage lender is not able to see any information. He confirmed that my name, address, SSN, and birthdate were all correct ( the same information that the mortgage lender has ). He asked if he could put me on hold to speak with another representative on why this may be happening as he has never heard of this issue before. When he returned to the phone he informed me that my name may be the issue and that the mortgage lender needs to use my middle initial. I let my mortgage lender know that they may need to use my middle initial. My mortgage lender informed me that they have tried with and without my middle initial and has even tried my maiden name. Every variation they have used on my name to attempt to pull my Equifax credit file has turned up " blank ''. They are able to see my XXXX and XXXX  reports without any issue but Equifax is showing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-NOT MINE, XXXX CREDITOR XXXX -NOT MINE, XXXX XXXX XXXX XXXXXXXX -NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX   XXXXNOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, XXXXNOT MINE, XXXX   XXXXNOT MINE, XXXX XXXXNOT MINE, XXXX XXXXNOT MINE,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.

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 2019-11-20 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've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
So this issue started in XX/XX/XXXX. I woke up one morning and had some late payments that were reporting on my credit. I had called my loan servicer previously to update my payment information and was assured that my auto payments were set up. Well I guess someone at the Dept of Ed/Navient made a mistake and the payment did not draft. When I called Dept of Ed/Navient to figure out what had happened they told my there was an error in my autopay set up. I tried to make a payment then, however, the Dept of Ed/Navient would not accept a payment from me. Eventually they fixed the auto payment so that it drafted from my account, but they never fixed the reporting on my credit. I have requested Dept of Ed/Navient to do so like 3 times already. A similar issue occurred in XXXX when my loans transferred to another loan servicer. I never received statements or any information about whom I was supposed to make payments to so I ended up making payments to the wrong company and got reported late by the other servicer of my loans. My credit is extremely important to me and really these late payments are not my fault. This most recent late is making my score very low and is preventing me from moving forward with my goals of buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from Sychrony Bank stating my credit card application was denied as they were unable to verify my identity. I called the company XX/XX/19 I told them I didn't apply for any credit card on XX/XX/19 of the application. I exchanged details with them and personal information and discovered that someone used my name, social, address, phone number but a different email address to apply for a Paypal Credit Card. 
The filled out a complaint report and were sending it to all three credit bureaus. I then put a freeze on my credit reports. They also said it would take about 30-60 days to have this inquiry removed off of my credit 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 non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
Had a mortgage with Sun Trust. We would make payments and they would cash our checks, however they would not apply our payments to our loan, they would put it in what they called unapplied. They would in return mail us a check back drawn on their bank. We would have to deposit the check into our account and send them another one. They would apply that one to our loan however, they would charge us a late fee and reported it as late. 
We have made numerous calls to Sun Trust and requested them to look in to this. They said that they did but would not remove it from my credit report. I feel that this is borderline a deliberate act from Sun Trust.

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 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: FL

Complaint narrative:
Company AMERIFINCIAL SOLUTIO was advised that I was an identity theft victim by phone on XX/XX/2019 collections agent stated that the company would not remove derogatory medical account # XXXX collection opened XX/XX/2019 this account is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
MORTGAGE FRAUD RESULTING IN OVER 60 FORECLOSURE SALE DATES CREDIT REPORTING FRAUD SELECT PORTFOLIO SERVICING ACCOUNT NUMBER : XXXX In 2019 I have place several complaints against Select Portfolio Servicing regarding an XXXX  Report against me, FRAUD, staring SPS had closed the account out in the Credit reporting Agency, stating that I had accepted a DEED IN LIEU OF, states Bank Liquidation, proof has been submitted to them over 6 times now and they WILL answer my complaints and Stop all Foreclosure processes or they will see their name all over the newspaper and will be in court there are other Servicing issues involved and they need to go back to XXXX XXXX XXXX and get a detailed statement of how my bankruptcy payments were applied to my account with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: FL

Complaint narrative:
XXXX, XXXX  AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX XXXX -NOT MINE, XXXX  XXXX  XXXX   XXXX -NOT MINE, XXXX  XXXX  XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX   XXXX-XXXX-NOT MINE, XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,

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 2019-11-20 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: FL

Complaint narrative:
EXPERIAN, XXXX  AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX  XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX S-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX  -NOT MINE, XXXX XXXX  XXXX   XXXX-XXXX  -NOT MINE, XXXX XXXX XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX   XXXX-XXXX-NOT MINE, XXXX  XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX  XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,

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 2019-11-20 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, Citibank functioning as Brooks Brothers credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from XXXX XXXX. I noted the late payments in the referenced month. I decided to contact your organization to file a complaint

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 2019-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I just made a payment of XX/XX/2019 now I am still two months behind but I received a letter from Mr Cooper that they will accelerate process of foreclosure if I dont pay the amount is due. I told them I missed a payment due to a scam mortgage company nameXXXX XXXX XXXX  XXXX  that they approved me and payment will be {$920.00} a month and I was so excited and they need {$1500.00} to process paperwork and I sent {$1500.00} to them and that was one of my payment to Mr Cooper now, no contact with this mortgage, there is not working so I made a complaint to Federal Rate Commissioner to try to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Consumer Portfolio Services is reporting as a collection on my credit report. I spoke to a rep named Ms. XXXX on XX/XX/19 and she said my account is in collections and my account isn't even charged off or past due 30 days. Also I filed a recent report complaint # XXXX and Consumer Portfolio Services said they did a cease and desist on my account but I received another phone call from them today. Nothing is being done on the company 's end so I think I will seek legal counsel for further assistance because thyr have clearly violated FDCPA several times and no one is doing anything about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Inc
State: MS

Complaint narrative:
I was contacted by Collections, INC. with two accounts that were open with them from XXXX XXXX in XXXX, MS. One account was sent to the Justice court and one had just gotten to their agency. The first account was originally {$1200.00} and some odd dollars, but with court and attorneys fees, it went up to over {$1600.00}. I paid that total in full to stop the court proceeding. I also paid {$740.00} towards the other account. The Account is now down to a little over {$3000.00} and when I tried to set up a payment arrangement, they are saying that I need to pay over {$400.00} a month. If I did not pay it in full or pay the {$400.00} a month that they would garnish my wages and that my credit would be ruined. I can not pay that amount and continue to pay my other bills. I told them I would give them {$100.00} a month and that they could draft it out of my account. The agent went on and on about how that isn't enough. I gave her my debit card information and set up the plan after a lengthy back and forth. Then, two minutes later, she called back saying that " legal '' walked by, and is not excepting this arrangement and that I would have to pay more. So, they do not want to except my automatically drafted arrangement, and want to garnish me? How could this be right or just? I XXXX my ankle and had XXXX XXXX and XXXX XXXX put into it. I am just getting back to being normal, because this happened in late XXXX and it is XXXX Now, I am being harassed by a company that refuses work with me at all. Who can come up with {$400.00} extra a month being single and having living expenses? I have seen many other complaints on the XXXX website where this company offered others arrangements for {$50.00} to {$100.00} dollars a month, and it is obvious that they pick and choose who they want to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: MA

Complaint narrative:
What happened? 
RE : Social Security Number : XXXX-XXXX-XXXX  / To Whom It May Concern, In XX/XX/2018 I disputed an account reported by XXXX/XXXX  Account # XXXX in the file maintained by TransUnion LLC under my Social Security number. I was informed in or around XX/XX/2018 that the item was deleted from my credit report after I disputed it. Now I have discovered that the item has been reinserted on my credit report by C/O XXXX XXXX XXXX XXXX   XXXX XXXX Also showing as XXXX XXXX XXXX ( on my XXXX  Report ) under account # XXXX referencing XXXX XXXX. I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. XXXX  deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ). Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. XXXX XXXX XXXX-XXXX-XXXX  XXXX  XXXX XXXX XXXX, XXXX MA 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 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
CoinBase 's transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with CoinBase wires that first took place on XXXX of XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 

The funds were transferred utilizing CoinBase 's services in the total amount of XXXX EUR! 

I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with CoinBase

Company response to consumer: Closed with explanation