vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
Company : American Financial Network , Inc . 
| NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Company personnel failed to conduct themselves in a professional manner that proved detrimental to my refinance process. Lending company utilized a 3rd party appraisal company and failed to follow up when appraisal was not only inaccurate, but misleading. instead of working with buyer to rectify situation within the 24 hour period, company negligently sat on accurate property information, which was requested to address the inaccurate appraisal report. Loan officer advised appraisal was already submitted on Wednesday XX/XX/XXXX with 24-48 hour turnaround ; however, after I had to chase down leads on XX/XX/XXXX to gain an accurate status to eventually speak with the actual appraiser whom informed he'd never received any request to redo the appraisal. Company then displayed ineffective and egregious communication tactics which caused the required comps to refute the original appraisal of property to become invalid. Company was aware of the inaccurate appraisal report and overcharge of said report and informed me to " deal with it, as appraisal company does not have oversight ''. When I informed that was unacceptable, company responded in aggressive tone and demeanor, with the attempt to gaslight into silence. I have attempted multiple emails to cancel this process and am actively being ignored by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I requested and was granted forbearance by Loan Care but without notification they canceled the forbearance even though the time period in the approval letter had not run. They then reported the mortgage in default to the credit reporting companies. I called up and was told it was a " glitch '' in the system and they would reinstate it. However, when they reinstated the forbearance the term was shortened considerably. The approval stated that the forbearance would end on XX/XX/XXXX but they have it ending first XX/XX/XXXX then XX/XX/XXXX. I have asked them through phone calls and letters to fix the credit reporting issue, also the fact that they reported a payment late when the check was mailed on time, they claimed they did not receive it but the check was never returned and I had to stop the check. I want them to honor the original agreement for the forbearance term, remove the negative remark from the credit. Also last week they were calling me every day despite the forbearance being in effect

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 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I applied for a Visa credit card from UnionBank of NY ( MUFG Union Bank N.A. ) using their online application process. The next day on XX/XX/2021 they pulled my credit information, so I know the application was in process. On XX/XX/2021 I called them to see what the status was. The Customer Service Rep I spoke to said she could not tell me anything from what she saw in the system. She further stated that I should receive something in the mail with in 7-10 business days from the application date. It is now XX/XX/2021 and I have not received any communication from them. I called their Credit Card Customer Service again on the XXXX, and they could not tell me anything. They suggested I call the branch near me. I looked up their branches and they are all on the west coast - CA, OR, WA. I called one in Oregon and they had not way to help and suggested I come into a branch. I live in Florida and that is not happening. 

By pulling my credit they have impacted my credit score and thereby affected my ability to get other credit.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. TD Bank told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. TD Bank has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to TD bank.TD have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from Capitol One advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) XXXX XXXX XXXX # Pending XXXX ) Capitol One Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
To whom it may concern, I am writing this letter to file a complaint against Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX, VA XXXX. I mailed this company a debt validation letter on XX/XX/2021, through certified mail. It was delivered on XX/XX/2021. Tracking # XXXX. In my letter, I requested that Portfolio Recovery Associates send me several things including written proof to validate that this is my account. Included in this proof would be a signed agreement showing my knowledge/ownership of the accounts in question and the agreement to pay the amounts in question. Portfolio Recovery Associates failed to produce a copy of any signed agreements with my signature showing I am under contract to pay for this debt nor that this debt is mine. Instead, I only received copies of bills and a letter from Portfolio Recovery Associates and XXXX XXXX which is not enough to validate the debt in question. Portfolio Recovery Associates failed to include everything that I requested in my letter therefore they failed to validate the debt. Because Portfolio Recovery Associates has failed to supply me with all the documentation that I requested, I am asking to have this collection be removed from all three credit bureaus and cease all collection activities immediately. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
first of all under 15 usc 1681 ( a ) ( 3 ) ( a ) ( b ) ( c ) restriction of sharing medical information and they never had my persmission which is another violation under 15 usc 1681a ( 2 ) I never gave any permision

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
My coinbase.com account was hacked and $ XXXX was stolen. 

My account was secured with app-based 2FA and address whitelisting, yet coinbase allowed someone to login to my account, sell crypto assets, add their bank account, and steal my funds. 

Coinbase told me it went to a XXXX XXXX XXXX account ending in XXXX on XX/XX/2021. I had already initiated my account lock/recovery on XX/XX/2021. 

In called XXXX XXXX XXXX XXXX XXXX- they told me that coinbase.com has capabilities to stop the transfer. Yet, coinbase tells me the transfer went through and they can not do anything about it. and have a ticket open with no action. 

This was a breach on coinbase and I need help recovering my funds from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. attempting to collect a debt on behalf of XXXX. I only own one account with XXXX that I opened on XX/XX/XXXX and it's always been on autopay and current. When comparing the account on the collection letter and the sole open account I have knowledge of with XXXX did not match. I responded to the collection agency via mail in XXXX after the second letter from the collection agency and after calling XXXX and confirming there were no other accounts open in my name with my Personal Information. I sent a letter to the collection agency bringing that to their attention. They responded back stating that they will continue to collect and that I should contact XXXX instead to resolve my collection. I reached out to XXXX on XX/XX/XXXX and provided them with the account number on the collections letter and they confirmed that my social security did not match the account, the service address was not the same either, and the phone numbers were not the same. Without the collections agency verifying this information, they put the negative remark on my credit report and send the collections letter to my address. Not only jeopardizing my credit but also giving me private information of 3rd parties. I need this investigated.

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 2021-12-21 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: EGL US, LLC
State: TX

Complaint narrative:
I sent a certified letter to BMG Money that included, a police report, a identity theft affidavit and identification documents to verify my identity. BMG money has reported an account to my credit report that is a result of Identity theft. This report is affecting my credit, which has took me some years to restore due to someone using my identification. I'm still baffled as to how this account was opened. I don't show any inquiries on my report reflecting this company, and if they would have actually done a credit check, they would have seen that my report is frozen due to this. My report also clearly states to contact me at a specific number which is listed on my report prior to issuing any goods or services. Someone from BMG sent me an email stating the the money was deposited into a bank acct which bares my name on it. I then proceeded to send over the police report to show this company that someone also had an acct at two different banks in my name, which I found out about last year and filed a report and the banks have since then closed those accts which were created online. BMG has not responded, they have not produced any forms or applications which bare my signature. I don't even know what employment was used to verify my information with this company. This account is clearly fraudulent and this company which should be ashamed for tarnishing my credit is clearly violating my rights. I did not make or authorize any new accounts. Another clear red flag, is I researched this company and it said it provides loan for federal employees. I work for a XXXX XXXX XXXX I am not a federal employee. So I know without a doubt they didn't verify the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite numerous attempts, Transunion has violated my right by ignoring my request to receive debt validation and investigation findings regarding the following account. 
XXXX XXXX XXXX Balance {$6300.00} Account 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 2021-12-21 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: CA

Complaint narrative:
Please address the missing items that have disappeared from my credit report and items appearing that arent mine. I have several trade lines not appearing that are in the attachment that was sent over. Please see the prior credit reports. Please provide a phone number of someone that I can speak with or email. 
Im requesting negative items to be blocked with police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. XXXX XXXX told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. XXXX XXXX has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to XXXX XXXX.XXXX have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: FL

Complaint narrative:
I've contacted Equifax several times and they are in strict violation of HIPAA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. i did not give my permission verbal or written to disclose any of my personal medical records to third parties. Equifax is reporting 4 collection accounts ( 3 w/ XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ) No validation of debt and HIPAA Authorization has been provided from either the collection agency nor Equifax XXXX Furthermore, the credit bureau should not be reporting a debt until it has been validated by me.

Company response to consumer: Closed with explanation