vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: AZ

Complaint narrative:
I have been trying since XXXX to get the MIP monthly {$100.00} taken off. The mortgage company keeps changing the original loan to value ratio in order to have the MIP taken off. Nobody is responding and I've been working hard over the past year to make extra payments during this trying time to SAVE MONEY!! They are not responding. It's Country Place Mortgage and they're service since we got this loan, 10 years, is TERRIBLE!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank best buy has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the XXXX credit XXXX XXXX Citibank hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the XXXX. 

The payment was withheld regarding the disputed amount pursuant to the XXXX credit XXXX XXXX. 

In Or Around XX/XX/XXXX, Citibank issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section XXXX of FCRA, the XXXX XXXX and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.

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 2021-05-04 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services/CCS is reporting a delinquent collection account to XXXX and XXXX  that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive sufficient validation of this debt. According to the FCRA, Credit Collection Services/CCS has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
Not sure of dates, because I was not expecting to have to report Equifax. My son had me as a user on his XXXX card, in case he needed me to get anything for him. We found out it was reporting on my credit, so in early XX/XX/2021, we called The credit card company and had them remove me. They said that on XXXX XXXX, it would be off my report. It came off XXXX, but Equifax would not remove it. Over the past month we have called XXXX XXXX  and Equifax numerous times. XXXX has told us that it was reported that I was removed and they told me it was up to Equifax to remove it. They even gave us an email to show Equifax that it was removed, but they refused to look at or accept it. Equifax claims it is XXXX, but if XXXX removed it and they even gave us a letter to give Equifax, which they would not accept as proof, I say Equifax is the problem. Also, I dont like speaking to someone I cant understand and now I know that all these people overseas, have access to all my personal information. The letter Im attaching says XX/XX/2021, but we actually had XXXX remove it around the XXXX, the XXXX is when we requested a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXX/XX/XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX SERVICES on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US  SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX CRED on XX/XX/XXXX ( Reported Identity Theft ) 6. FXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I attempted to find a number to call moneygram customer service and in XXXX ; under " Ways to contact us '', the phone number listed is actually for a XXXX hotline. The number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It has been well over 30 days and I have heard no response in regards to my dispute.

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 2021-05-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC XXXX were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NY

Complaint narrative:
Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC XXXX were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number 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 non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It has been well over 30 days and I have heard no response in regards to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
Received a prequalified offer only to be denied by the company and have a credit inquiry charged against my score which O have been working on improving!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This company has post XXXX collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and Experian only says that the XXXX XXXX XXXXn says the account is correct, without asking or verifying if the account is correct, XXXX XXXX XXXX must provide correct account verification to Experian and the other credit bureaus, and only report false information and the Experian only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and XXXX XXXX XXXX XXXX is damaging my credit with false information, Experian is part of the game of XXXX XXXX XXXX they just believe what collection agency says, Experian asked me verified the account like not mine, but there is no way i can proof sometime is no 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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Professional Medical Management, Inc.
State: PA

Complaint narrative:
Just recently, I noticed my credit report had an unpaid medical bill listed in collections. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX. They were unable to locate the original charge. I then contacted the collection department who had the debt listed on my credit report. After searching my records, I realized the debt was valid and sent the the collections an email. Unfortunately, with no response from my email I sent, I proceeded to send the collection agency a certified letter. 

My letter, again, acknowledged the debt, I asked for payment options and also apologized for the nonpayment of this bill. I have not heard anything from them as of today, XX/XX/2021. The certified letter was received by the collection agency as per certified mail number XXXX XXXX XXXX XXXX XXXX. 

I have previously left a message at the XXXX number, emailed them as well as sent a certified letter. Since it has has been over a month since the certified letter has been received, I would appreciate any assistance that could be given to help in removing this account from my credit report. 

Please let me know you require any additional information. I would be happy to provide it and I thank you in advance for you assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AL

Complaint narrative:
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I was the victim of fraud in my Citibank checking account. Multiple ( 5 ) wire transfers were attempted ( not sure if they were completed XXXX to unknown parties. Citibank advised that the 10 or so VALID " pending '' debits ( including my mortgage payment ) would be declined since they had to put a TEMPORARY block on my account due to the fraud. I was advised I needed to open a new Citibank checking account and then call back to have the TEMPORARY block momentarily removed so that my actual funds ( {$2700.00} ) could be transferred to my new account so I could access them. When calling Citibank back after opening the new account, I was told that due to a representative error ( she " chose the wrong option '' ) my account was now PERMANENTLY blocked. I was told in order to access my funds I would now either need to travel to a Citibank branch ( I am XXXX and located in NJ - the nearest Citi branch is in New York State ) or wait 60 days for access to my money! I was also locked out of my online account access so I have no way to see what 10 pending debits Citi planned to bounce on me ( so that I could notify payees! ) THIS IS UNACCEPTABLE. I was the victim both of fraud and of Citibank 's ineptitude and negligence and I NEED ACCESS TO MY MONEY. PLEASE!!!!!!!

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 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
This company has posted a collection account to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
Hi. Someone hacked my coinbase account on XX/XX/21. My bank information was linked to my coinbase account. Hacker deposit {$5000.00} of my money to my account and was trading. I lost around $ 400-600. I did not get about the Transactions. Also, hacker deposit {$5000.00} not showing on my coinbase account.I feel coinbase unsafe. Just wan na close my account when everythings fixed. 
I am not sure about the loss. 
The hacker is from XXXX. I am a US Customer amd they did not see this is wrong. 
Coinbase was not protecting my account at all.

I want my money back. Coinbase made a mistake and a I hope they take responsibility for it.

Also, I have another problem. {$5000.00} transaction was pending. I called my bank to stop this transaction. Coinbase want to pay {$5000.00} back. I paid {$3900.00} back. ( it was on my account ). I tried to add my bank to pay the rest {$1000.00}. I removed from my bank informaton before because hacker had access to my bank information. So, I tried to add my bank once again to pay the rest of the money and it did not let me. So, I wired money to coinbase. ( {$1000.00} ). It doesnt show on my coinbase account and I did not get email about they received my money. In this case I want this money back to. 
I attached pictures. I circled which transactions was unauthorized and I circled I paid {$3900.00} back. Also, I attached a picture about the wire transfer. 
I did not buy bitcoin I add that picture too. 

Thank you for your help : )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: AL

Complaint narrative:
This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX  asked me verified the account like not mine, but there is no way i can proof sometime is no mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation