vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: CO

Complaint narrative:
I called equifax fraud department and asked if they had already had my police report and stuff on file from last year and they didnt. I was trying to dispute unauthorized inquires and wouldnt dispute them and I cant get a hold of XXXX  where someone could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I want to use XXXX  app but pnc blocked me linking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX  XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$580.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.

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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I have made an overpayment on my home mortgage. Then I have done refinancing. The mortgage bank is not refunding my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither XXXX  or Bank of America want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. XXXX   and Bank of America refuse to remove this fraudulent account from my XXXX  credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me.

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 monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I transferred {$200.00} USD from my chase checking account into coinbase as XXXX currency. I uploaded my drivers license to verify my identity and almost immediately ( after the transfer completed successfully ) they notified me that they were forcing me to close my account and I need to transfer my funds out right away. I have been trying since XX/XX/XXXX to transfer the funds out but an alert comes up that states I am unable to transfer and to contact support. I have contacted support over 5 times and they state they opened an investigation but I have not received any follow-up or update. I am able to log onto my account where it then alerts me I need to transfer my funds immediately because my account is being closed. I continue to email - as there is no number you can call to reach anyone - but no one will answer me. I desperately need to transfer my money out especially since XXXX  could drop value at any time forcing me to lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: CA

Complaint narrative:
I AM FURIOUS WITH THE XXXX EXPERIAN XXXX XXXX AND XXXX XXXX  XXXX! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT XXXX  REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED XXXX DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.

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 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
This debt is almost XXXX years old. I was never sent a billing statement or contacted in any way in regards to this debt. The only way I found out about it is when it hit my credit report yesterday XX/XX/2020 from Nationwide Recovery Services. The original consumer ; XXXX XXXX XXXX XXXX XXXX, has multiple dates of service that were billed to my insurance correctly yet they have XXXX that was billed to the WRONG insurance that I was never aware of. They sold the debt over a year ago to XXXX XXXX  : Account # XXXX who then sold it to Nationwide Recovery and something I never knew about till today when I called around asking. And now the collection agency has damaged my credit report for something that was not my fault. This debt should have been fully covered with my insurance but because I did not know about it I could not get it resolved earlier and now the collection agency is telling me they cant do anything about it and want me to pay them. The original consumer already sold the debt and will not help me resolve the issue their employees made. I do not know what else to do. I lost XXXX points off my score over something that should have never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: WI

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has me listed as deceased. I followed the directions on their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; submitted a notarized affadvit of my continued existence, along with copied of birth certificate, XXXX Passport, NY XXXX XXXX XXXX, Social security care, rent stub and utility bill as proof of identity. Originals of all documents were presented to Notary Public and certified as being true. 
Experian responded by email that the contents in my Experian credit report were not their concern and I had to contact source of the erroneous data myself. They ARE the source. For literally decades ( on and off ) I had sought the removal of a credit card default that my father incurred XXXX  years before my birth. My father ( same name ) is deceased ; instead of deleting the erroneous data, they deleted me. 
For 2 years or more, I have not been able to get credit because of this and I am blocked from access to my Social Security account online. As I am alive, I need this resolved

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 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My TransUnion XXXX XXXX was XXXX as of XX/XX/2020. On XX/XX/2020, my credit score dropped XXXX points to XXXX for no reason. The ONLY changes that took place to my credit report were the removal of several hard inquiries. When Transunion removed the unauthorized credit inquiries, my credit score should have increased, not dropped.

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 2020-06-11 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I received a letter ( dated XX/XX/2020 XXXX from XXXX XXXX  after applying for financing through a car dealership. The bank included credit scores from XXXX different companies. The score from XXXX  was XXXX. The score from XXXX, a company I have never even heard of until now, provided a score of XXXX. There is only a phone number and an address listed for XXXX in the letter. I called the phone number, but there is no one you can speak to. You can only leave a voicemail. 

The factors listed for the score of XXXX are : Not enough bankcard debt experience Time since most recent revolving account established Length of time oldest bank revolving account has been established too short Too few installment accounts I do not see how these factors are relevant to me. I have had an active bank account with the same bank for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX in XXXX, AL states that I have a medical collection for a XXXX  in XXXX. I have never even been to XXXX. I called them and they would not listen to me - they just wanted me to pay the debt without caring that it isn't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AmeriHome Mortgage Company, LLC
State: WA

Complaint narrative:
Starting with our XXXX loan payment to Amerihome Mortgage Co. Thru automated bill pay service with XXXX XXXX our payments were not being applied to our Loan. Payments for XXXX, XXXX and XXXX were sent but not applied. XXXX payment was withdrawn from our checking account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX, XXXX payment on XX/XX/XXXX. After many conversations with Amerihome personnel it was determined that we had the wrong loan number on the automated draft being sent from XXXX XXXX to Amerihome. This is a seasoned loan and Amerihome had accepted and applied all payments in XXXX using the incorrect loan number. At no point were we informed that the loan number was incorrect. Amerihome reported to XXXX  that the loan was delinquent thus lowering my credit score by approximately 50 points. I find the Amerihome personnel totally indifferent to this problem, generally the individual 's that we talked with were pretty much uninformed regarding how to research this problem. In my opinion this problem should have been resolved within a XXXX hour period but took us talking with Amerihome from XXXX thru XXXX. This company is just unprepared to accurately diagnosis even the simplest situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: WI

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX. ( Please see page attached from my credit report showing the multiple accounts along with a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX AND XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX AND XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the XXXX credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$580.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP

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 2020-06-11 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did a credit report through the XXXX app XXXX XX/XX/2020 ), where I noticed there was a hard inquiry from Synchrony Bank. The date inquired was XX/XX/2020. I don't remember taking out a loan or applying for any loans or credit cards around this time. I made a call ( XX/XX/2020 ) to XXXX  stating I wanted more information about the Synchrony Bank inquiry, but I was told to get in contact with this bank and dispute it that way. I called the bank the same day XXXX XX/XX/2020 ) and I was told the company does not keep inquiry information for more than 3 months, so they wouldn't know what the inquiry was about or have any of my information. I then called XXXX  again to figure out the details of the inquiry, but there is nothing they can do unless I want to dispute it as fraud. 
I've never heard of this bank and I want to know how I dispute this or find out more information on this inquiry.

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 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-11 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: WI

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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