vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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 have corresponded with Experian Credit Reporting numerous times in an attempt to get a wrongfully applied negative item removed from credit report. I have attached letters written to both XXXX XXXX and Experian detailing the events and circumstances leading up to this matter. 
Should you have any questions or require additional documentation feel free to contact me. 
Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX Email 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 2021-05-15 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person. 
XXXX has not fully removed items that has been removed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.

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 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I'm not sure which are all involved but Coinbase, XXXX, and XXXX XXXX are all involved in my situation. I've had over {$74000.00} on the Coinbase exchange. On XX/XX/21, according to XXXX XXXX, someone did a remote sim swap on my phone on XX/XX/21 at XXXX. Which i had my phone with me and the sim card was in it. When i got home i went to check my account and it said no service. thats when my wife called XXXX XXXX and was given the sim swap info. Which we don't know how they would get through the security questions to do this and the PIN number. 
Coinbase doesn't have live support and through email they told me they can't reverse a transaction. Thats all i've gotten out of them. I lost over $ XXXX and I filled a local police report out to XXXX XXXX Police Department in Florida, case # XXXX. FBI said they wont help because its not over $ XXXX. We cant get anyone to help us with this or point us in the right direction. I did some research and found out XXXX had information leaked that involved Coinbase information which would make sense that they knew i had crypto, but still doesn't explain how they got through XXXX XXXX and the Pin # and how they knew my SIM card number to swap. We are lost for words, no help, XX/XX/XXXX to our stomach and being lead in circles. I can send screenshots on request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
I have attempted several times to dispute this issue with letters and have not gotten a response. No legal proof of the debt to the collection agency have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been paying or Equifax credit monitoring service and since XX/XX//2021 - I have been unable to pull and get a correct copy of my credit report online. When I pull a copy of my credit file - it comes up all XXXX XXXX  - stating that I have no mortgage, no revolving accounts, no personal information, summary is all zero 's, and no installment accounts. 
I have been talking with Equifax about this issue since XXXX/XXXX/2021 and they keep telling me there is a glitch in their system and they will escalate it and it should be fixed in 7 - 10 days. 
Also, when I call in to Equifax and I put in the requested information at each prompt - Then I am told they could not verify me and transferred me to a live person - who then re-verifies me and tells me about my Equifax credit report and then they will send me out a copy. 
XXXX XXXX also tried to pull up my Equifax credit report and it came up with no information - all zero 's Also, I had removed the freeze from my credit report and applied for credit and the creditor advised me that my Equifax credit report said I had no credit file, no credit score, limited credit experience and I was denied credit. 
As of today XXXX/XXXX/2021 - it still has not been fixed by Equifax and this concerns me because I have been the victim of identity thief earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Apple Card Apple Case ID XXXX I have never been able to add the Apple Card to Apple Pay. I have been working on the issue with both Apple and Goldman Sachs for months. I was issued the card in XXXX, 2020. 

I made over 50 calls to Apple and Goldman Sachs Apple Card. I have multiple chat transcripts showing I have done every single troubleshooting step known. 

The case was escalated to the Senior Advisor level at XXXX over two months ago. First, I was working with Senior Advisor, XXXX. As of today, I am working with Senior Advisor, XXXX. 

After my initial contact with Senior Advisor, XXXX, she escalated the issue to the Engineering Team back in XXXX. After speaking with Senior Advisor, XXXX today, he advised that the issue is not related to just my account. Other XXXX users are experiencing the same issue ; they are unable to add their Apple Card to Apple Pay via the XXXX XXXX app. 

I have also tried order the physical Apple XXXX XXXX twice, at the direction of Apple and Goldman Sachs. When I tried adding the Apple Card to Apple Pay via the physical card process, the same error occurs. 

The error simply states, Unexpected Error. 
I am able to add other credit cards to Apple Pay. 
I upgraded from an XXXX XXXX to an XXXX XXXX recently because I was told it might be a problem with my particular phone. 
I get the same error on the XXXX XXXX XXXX XXXX as I did on the XXXX XXXX XXXX XXXX. 

Because the Apple Card is linked to my Apple ID, I am able to use it to make Apple purchases which I have done, and paid in full, on the Apple Card. However, I am unable to use the Apple Card at any other merchants. 

In order to use the physical Apple Card or the digital Apple Card, the card must be added from the XXXX app to Apply Pay which is where the Unexpected Error occurs. No one at Apple or Goldman Sachs is able to offer a resolution. No one at Apple or Goldman Sachs is able to provide me with my Apple Card number, only visible once the Apple Card is added to Apple Pay. 

I would like to obtain my account information so I can make purchases with my Apple Card at other merchants. I take issue with the fact that I can spend thousands of dollars on the Apple Card as long as I purchase Apple Products online. However, I can not use that same card at any other merchants. 

I have been waiting since XXXX, XXXX for a resolution. I have over 50 calls logged and at least 20 chat sessions with both Apple and Goldman Sachs. I have erased my phone and started over more times that I can count. I have deleted every card in the XXXX app so many times and checked and rechecked every setting known. At least today, Senior Advisor, XXXX, stated the Apple Engineering Team said it is a known issue but there currently no fix available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed a check to Select Portfolio Servicing for XXXX. This was for my XX/XX/XXXX 2021 payment. 

On XX/XX/XXXX2021, I made a quick pay for XXXX at the currency exchange for XX/XX/XXXX payment. Instead of recording this for my XXXX payment, they added this as an Additional principal payment. This payment was not for ADDITIONAL principal, it was for XXXX payment. 

I then sent in one check on XX/XX/XXXX2021 for amount of XXXX. This was for XXXX and XXXX payment. They cashed the check on XX/XX/XXXX. Check number XXXX. 
Furthermore, NONE of my payments were applied towards my mortgage. They took my money, did not apply it to my mortgage NEITHER towards payments nor towards principal balance. My principal balance does not go down, and on top of it they are now saying I am 3 payments past due which is not correct because of misapplied funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Problem with personal statement of dispute
Company: Jon Barry and Associates, Inc.
State: MO

Complaint narrative:
I have several medical bills showing on my credit report and I turned in my Medicaid Card number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Google corp business did a transaction of {$32.00} without my permission.Please I want my refund and also take my card out of Google.thamk you have a bless day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: GA

Complaint narrative:
I requested an address I an not affiliated with be removed and they did not comply

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 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am represented by an attorney and do not want to be contacted by capital one directly for any reason. Capital One should contact my attorney Capital One is trying to collect on a debt that is not mine and I would like to have it removed. I am the victim of identity theft. I do not want Capital One to call me, email, me, or even mail me. Please only contact my authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/ 2021 my online balance was XXXX transactions posted after that balance, on the XXXX, totaled XXXX, leaving a balance of XXXX. Also on the XXXX, they charged me XXXX overdraft fee which left my positive balance on XX/XX/XXXX with XXXX ... after the XXXX overdraft fee. There are 3 items pending and I made a transfer to more than cover those amounts. When I contacted the bank I was informed that one of the pending transactions, the very last one, triggered the overdraft fees and they would refund me ONE ( 1 ) fee! Their overdraft fee is XXXX dollars. This is a checking account and I have not signed up for overdraft protection. The Bank is BB & T, now Truist, at XXXX XXXX XXXX XXXX, XXXX FL XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I sent out a letter certified mail on XX/XX/ 2021, to Experian asking that they remove the fraudulent accounts. In the letter, I submitted my identity theft report, 3 forms of identification, a notice of furnishers laws, and the credit report showing where Experian had reported inaccurate information. It has been over 30 days and I have not received a response yet. 




Here is a list of the fraudulent accounts that need to be removed : XXXX {$3400.00} XXXX XXXX {$1900.00} XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXXXXX/XX/XXXXXXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXXXXXX {$950.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have a conventional mortgage on my property. The principal balance is approximately {$92000.00}. The original balance was approximately {$210000.00}. 

My mortgage was held by XXXX XXXX XXXX, originally XXXX. As of XXXX XX/XX/2021, XXXX changed the mortgage service provider to Loan Care. That is the start of the problem. I am a realtor and am accustomed to dealing with mortgages, etc. 

I had always paid XXXX via auto-pay from my XXXX XXXXXXXX XXXX account. Loan Care supplies NO option for an auto-pay form BOA. They provide ONLY their accessing my bank account 0 which I do not allow. Thus, they require a check. XXXX XXXX XXXX sent Loan Care  a check for {$1600.00} for the XXXX XXXX, XXXX XXXX and XXXX XXXX payments. The required amount is {$920.00} per month, but I pay additional principal each month. It took 8-9 telephone calls and nearly 7 weeks for Loan Care to post said payments. 
I changed the payment date at XXXX for the XXXX XXXX payment and on XXXX XXXX, XXXX sent out the {$1600.00} payment for XXXX XXXX. Today is XXXX XXXX XXXX 23 days later ), Loan Care says the XXXX is problematic but that is not their issue, it is mine and they claim NOT to have received the payment yet and will impose a $ XXXX late fee if not received by Monday. 
I have left 4 emails requesting them to call me - I have received NO calls. 
I do believe their business practices are inappropriate and while I understand the CFPB handles many more serious issues, this is important to me. XXXX verifies Loan Care is problematic but their customer service is the worst I have seen and I do believe that their goal is to make $ and not provide service. I believe their process is fraudulent and ask you to investigate this company and help me rectify this situation.

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 2021-05-15 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 — Problem with personal statement of dispute
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
I have several medical bills showing on my credit report and I turned in my XXXX XXXX number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: FL

Complaint narrative:
Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with XXXX XXXX due to the inaccurate and derogatory item on my consumer report. On XX/XX/2021 I sent a letter out to Experian, Equifax and Transunion notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Equifax removed this inaccurate reporting immediately, however, Transunion and Experian did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to XXXX XXXX that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!

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 2021-05-15 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: OH

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: GA

Complaint narrative:
I sent a validation letter on XX/XX/XXXX and mailed it certified. I tracked the letter and noticed that Grant & Weber received it on XX/XX/XXXX. When I received the response from Grant & Weber, I noticed multiple inaccuracies. 

My name was not spelled correctly on the documentation. Also, the dates of service that were listed are incorrect. The dates listed are consecutive ( XX/XX/XXXX - XX/XX/XXXX ) ; yet I was NOT seen on all the days listed. My birthday is on XX/XX/XXXX and I have never spent time in a medical facility on my birthday, therefore I know the dates are incorrect.

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 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: ID

Complaint narrative:
Received letter from XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Stating I owe XXXX XXXX They are providing no information. No specifics. I don't know who XXXX is. 
Letter date 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