vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of distress and hurting my credit score.

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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of XXXX and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
My complain is about XXXX XXXX and MOSAIC Solar. They sent me their agent that scam me with some lies that I will save some energy by getting a loan through MOSAIC to finance a solar system for my house. They lied to me that I will get a will get a tax credit of XXXX which I didnt get. Also the agent did not procure any paper documents to sign, I did all the signings over her labtop and it was so fast without any explanation. I sign some documents that lock me for 20 years and the worst they PUT A LIEN on my house. They did not tell me about it. My credit was run 3 times without any reason and that brought my credit score from XXXX to XXXX. All this happened in XXXX. In XXXX Im in a situation where I cant sell my house because of the lien, and also the solar did not increase the price of my house. NEVER DO SOLAR. It is a SCAM and they just stealing the honest people money. Please let everyone know about it. Im paying XXXX dollars every month for the loan and my electric bill is not improving. I did not save any energy bill. ALL ARE LIES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
XX/XX/XXXX, we refinanced our home from XXXX XXXX to the Mortgage Center. This refinance was to pay off XXXX XXXX, Hud, and MSHDA. We thought everything was fine, until XXXX of XXXX we applied for a HELOC at our credit union. The credit union advised us that there was a lien on our home from HUD. We were very confused and reached out to HUD  ( which wasnt easy ) and found out we needed to contact XXXX who handles their payments and payoffs. We found out that XXXX sent XXXX XXXX the wrong payoff. The payoff was for a person with the last name in Florida. XXXX XXXX sent the payoff to The Mortgage Center. Not one person noticed that the information was incorrect. The information was sent over to XXXX XXXX and a check was cut for {$7800.00}. Our original amount that we owed was {$10000.00}. After us contacting XXXX, XXXX did go ahead and credit the {$7800.00} to our account, but we now have the {$2900.00} that we have to somehow come up with to pay off the lien and be able to get our HELOC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 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: NC

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-23 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:
My Coinbase USD account sustained a loss of approximately {$60000.00} through a series of unauthorized transfers on XX/XX/XXXX. My account was a funded USD account ( not a cryptocurrency account ). I reported the situation to Coinbase support later that same day ( XX/XX/XXXX ), and the correspondence continued by email for the next three weeks.

Coinbase asserts that I am fully liable for the loss because they " had no reason to distrust the activity in question. '' - Because my funds were in a prepaid USD account and because I reported the breach within two business days, Regulation E limits my total liability to {$50.00}.

- To support their position that I am liable, Coinbase made several demonstrably untrue statements regarding the unauthorized activity, concealing and omitting events that should have raised their suspicion ( see attached email ).

In compliance with the Coinbase Terms of Service, I submitted a complaint on the morning of XX/XX/XXXX disputing Coinbase 's determination. The Terms of Service state that Coinbase will acknowledge receipt of the Complaint after it is submitted.

Coinbase has sent no such acknowledgment.

The full email chain of my correspondence with Coinbase is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank can not tell me account no. Said purged a count. XXXX calling 5 weeks several times a day. They refuse to do research. Supposed to keep for 7 years. XXXX said they purged account.

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 2019-05-23 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I have a loan with ONEMAIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXXXXXX, XXXX  and ONEMAIN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ; XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX & XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I took out a loan with Net Credit on XX/XX/XXXX in amount of {$2000.00}, the went to collections NC Financial and Net Credit i settle 35 % off the full balance on XX/XX/XXXX with my account balance XXXX and the account has been discharge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NH

Complaint narrative:
I have already lost my home to foreclosure. I had XXXX XXXX  XXXX and not only were they very hard to work with, I could never get a correct answer as to why my Mortgage that was at a fixed rate would go up. WHen I did get behind in PAyment back in XXXX. Shortyl after, my mortgage was sold and now I was paying XXXX XXXX XXXX at a much higher Mortgage amount than I was paying before. I was a first time home buyer and started with a first time home buyers program with the State of New Hampshire. We refinanced with Green tree and put on a new roof had the house panted and a few other things we needed. I was with Greentree from XXXX it was sold and then sold again when XXXX XXXX XXXX took over. They were no better. I ended up losing my house. My husband became chronically ill and end up XXXX this past XX/XX/XXXX at the age of XXXX. In the year XXXX I received a letter on a class action suit for green tree that I was part of and I have misplaced that letter. I even forgot about it when my husband of 28 years and together for XXXX at the time had XXXX XXXX   and was in and out of the hospital in a XXXX  for 14 days and thirty days in the hospital before his death. 
I believe the class action suit was for when my mortgage payment went up without notice and may have been because I was being charged flood insurance.I tried to find that letter but I believe moving twice in a short span may have contributed to getting lost.. I do not how to go about getting the information on filing with that class action suit. I am not sure if everything is on a time limit and if I am too late. It just seems like I am made to lose. Even social security never approved my husband until he died and with that, after 12 years of trying, he got 7 months of social security after working 22 years for the same comapny.No severance pay no retirement no social security- one of the reasons we became late on our mortgage. If you could please help me in locating the class action suit and see if I am still able to file I would surely appreciate that. I am tired of struggling financially because no one wants to help. If I was due money from that suit I really can use it now. I did the best for a family of five on my income for the past 10 years. No other income from my husband. We were foreclosed on, lost our vehicles and I had to swallow my pride and go to local food banks. I could not get any state help because it goes by the years before taxes. Even if we were no longer making that money. My husband died XXXX. I am sure the stress of losing everything did not help. 
This class action suit if I and my dead husband are owed I could use the money to bury him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NY

Complaint narrative:
I do not recognize the accounts on 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 explanation
Consumer complaint received 2019-05-23 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: NY

Complaint narrative:
I checked my credit report and noticed unauthorized and unverified accounts

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 2019-05-23 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: NY

Complaint narrative:
I checked my credit report and noticed unauthorized and unverified accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and noticed unauthorized and unverified accounts

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 2019-05-23 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: NY

Complaint narrative:
I disputed unverified and unauthorized accounts on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NY

Complaint narrative:
I disputed unverified and unauthorized accounts on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed unverified and unauthorized accounts on my 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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX a {$59.00} " Membership Fee '' was placed onto my credit card bill by Capital One. Two attempts were made by myself and my spouse to change our card program with Capital One, but the company was unwilling to accommodate us. 
The last attempt we made was on XX/XX/XXXX and we again stressed our desire to remove the annual membership fee as we were unaware that it was going to be charged. 

It was disappointing to hear that such a de minimis fee which, when discovered and questioned, was handled in such a unfair and deceptive fashion. We had assumed that Capital One would note the small request, back out the fee and allow us to change to a no fee credit card program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: WV

Complaint narrative:
I was going to load money on my card when I noticed that the money o had in there was gone. 
On XX/XX/XXXX I had my fiancee to deposit XXXX on my card that was my rent money plus emergency back up money on XX/XX/2019 there was XXXX sent somewhere by XXXX XXXX, I immediately contact them as they sent me a new card and started the dispute but not onced but twice my dispute was denied the women who called me the second time to inform me that the decision stands was very rude. 
During the time period of XX/XX/XXXX to XX/XX/XXXX I was in the hospital with XXXX and plus possible XXXX XXXX XXXX but I am a victim of identity theft all of my stuff has been compromised I had tried explaining that but they didnt care just like they didnt care that me and XXXX kids got thrown out of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NV

Complaint narrative:
I was setting up a cell phone line with XXXX XXXX and was asked on the phone if it was ok to do a credit inquiry I told them it was not ok and they did it anyway. When I contacted them about it they said that it was done the day before when I had contacted them about another issue and that the person I had talked to that day forgot to tell me they were doing a credit inquiry. They acknowledged the mistake but refused to remove it from my credit as they are required by law and said that it was not possible for them to remove it and I need to contract Equifax. I disputed it with Equifax but they are refusing to provide the results of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: FL

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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