vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
For the past 4 months I have been having issues with Transunion getting my credit score. Everytime I called, the agent would pull up my sister 's credit file and confirm is mine just because we share similar name and share the same mailing address. However what they have on record is my sister 's credit file and not mine, and they somehow updated her information with my name. When I asked the agent to reconfirm my name, social security, and date of birth is when they realize is not my credit file is my sister 's due to difference in social security number. Both XXXX  and XXXX  were able to update my personal information and my credit score with them would be provided to me. I have been calling Transunion about this issue, and it ends up Transunion does not have a credit file under my name/Social security number/date of birth. The only way they would create a credit file for me is if I send them a copy of my social security card, birth certificate, and driver 's license, and also a letter stating the issue and how I would like to resolve this. I mailed the letter and the personal information to Transunion four times, with first time no tracking number, second and third time with just tracking number and the fourth time I included signature request and tracking number. However, the agents there claim they never receive any of my letters or packet but I confirmed with USPS who is my mail carrier, and USPS confirmed my letters were delivered. So far, this has been a back and forth waiting game with Transunion, and its holding me back from qualifying for a mortgage loan. 

Below is list of dates I mailed out the letter, my driver 's license, social security card, and birth certificate : XX/XX/XXXX : no tracking number included XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX - USPS Tracking Number : XXXX Below is my file numbers with Transunion in regarding this issue : 1 ) XXXX 2 ) 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 2021-02-13 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: TX

Complaint narrative:
On or before XX/XX/2021, On or before XX/XX/2021, On or before XX/XX/2021 I have contacted the credit bureaus in regards to accounts that do not belong to me. I am a victim of id theft, I am a victim of credit fraud, I have mailed in sever id theft reports to the credit bureaus and to no avail. The following accounts are identity theft accounts and shall be removed at once. 

1. XXXX XXXX  2. Account name unknown 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX  6. XXXX XXXX student loans 7. Any and all Inquiries within the last 2 years 8. Any and all addresses within the last 2 years 9. Any and all names that do not match my legal name 10. Any and all telephone number. 11. Online information systems I hereby grant and give permission to the consumer finance protection to act and submit this information on my behalf to the credit bureaus. Any and all collection accounts listed in the report all collection accounts in the report. I hereby demand they be deleted and removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX XXXX XXXX. I no longer owe XXXX. They have received their equipment but still wanting to get {$970.00} from me. I am not responsible for this debt and it's stopping me from getting approved for my home. I have disputed with XXXX, XXXX, and Experian and there has been no response to verify that I owe them.

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 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing ( SLS ) reported my wife and I to the triple credit bureau in error and they refuse to retract the 60 days past due delinquent. This hurted us severely, particularly, it is coinciding with a refinance in progress. SLS, in compliance with the CAREs Act, granted us for forbearance in XXXX, XXXX and XXXX of 2020. They guaranteed no negative reporting or foreclosure. In XXXX of 2020, payment was resumed plus an additional ~ {$900.00} to offset the missing interest during the forbearance period. this additional {$900.00} was applied from XXXX until XXXX of 2020. All payment were made as suggested by an SLS agent. However, SLS, the 1st time, reported us to the credit bureau as a 60 days past due delinquent. We called SLS at least 15 times, we filed a complaint with XXXX, and disputed this with the triple credit bureau. On or about XXXX of 2020, the negative reporting was cleared. This week, we noticed that SLS repeated the same negative reporting with same issue : a 60 days past due delinquent. We have already disputed this with the credit bureau the ( 2nd time ). SLS refused to retract the negative reporting and the customer service agent had apathy to our situation and was very rude and emotionless.

I have all the emails confirmation of all the payments made sent from SLS since XX/XX/ 2020, until the present time. Please help us with this ordeal and if you need any proof of payments, we will be more than happy to send them to you. Thank you kindly

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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have been a Coinbase.com customer since XXXX. On XX/XX/XXXX, I was asked to update my account personal information and verify my ID. I successfully completed these steps but my account has been under review since then. Coinbase displays the following message every time I log to my account : " Account under review - Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. ". Using Coinbase is not possible until the account review is completed. I am unable to withdraw my funds from my Coinbase account, deposit funds, or proceed with any kind of transactions. I tried to contact Coinbase several time and have not got my account reviewed and unblocked till today XX/XX/XXXX. That is now lasting for almost 2 months, while Coinbase claims it should have taken a few days. I did open a first ticket on XX/XX/XXXX which they closed on XX/XX/XXXX stating that " Coinbase Support resolved and closed your case. '' but my account was still under review and showing the same message when I did log in. I opened another ticket on XX/XX/XXXX but did not hear anything back so far, despite several follow up emails sent to them. I tried to contact them another time today, opening another ticket. Coinbase is not responding and is blocking my funds on their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was affected by Covid 19 pandemic. My XXXX was temporarily closed to follow the City of XXXX XXXX and State of California Covid 19 ordinances. I am facing with financial hardship due to income depending on unemployment benefit. I have asked the CitiBank management to give me time to make payments but CitiBank company ignored and closed my accounts without my acknowledgement. I will get my ppp loan soon, I plan to reopen the business next month. I would like to looking for help in the attached letter.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This was an XXXX XXXXXXXX XXXX, I placed my the cards which were in a mini case in my jacket pocket after shopping in XXXX XXXX XX/XX/2017. I then went to XXXX where I XXXX I didn't realize that the cards were missing until months later ; approx 5 to 6 months later when I looked in my wallet and they were not there. After rambling, I remembered I put the card wallet in my jacket months earlier to make a purchase. I logged online and saw several charges from XXXX XXXX that were not mine. I contacted the creditor to advise that these charges were not mine and advised why I was stopping the auto pay. I'm not sure if the card fell out at XXXX or somewhere downtown when I was walking to my car. At the time that I viewed the accounts online the amount charged was approximately {$3900.00} with XXXX XXXX, this is what raised a red flag. I never charged that much and had the account set up on auto pay to pay the minimum charge each month. I was basically using tip money to pay for miscellaneous expenses therefore, I wasn't charging on this cards. After no contact from XXXX XXXX when I disputed the charges, the account was sent to Portfolio Recovery Associates LLC. I have spoken with them and advised that the debt was not mine. They sent packet information along with some print out receipts. I must file a report to go along with the information that they sent to me to dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
Kay Jewelers/ XXXX is reporting the same late payment twice on my credit report to XXXX . I have tried twice to have the duplicate late payment report removed. I filed an electronic dispute through XXXX dispute center that was unsuccessful. I was informed the information was correct and would remain unchanged even though within the dispute I acknowledged the information was correct however that it was a duplicate report. I attempted once more in writing to both XXXX and to the Kay Jewelers to have the duplicate removed from my credit report and was once more unsuccessful. I was informed that only the information would be updated which was also incorrect due to my Kays card being closed in XXXX and now it shows that I had an open account with them all of XXXX which is inaccurate. Please help me correct these mistakes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: CA

Complaint narrative:
XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-02-13 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: TX

Complaint narrative:
I have contacted TransUnion LLC on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted TransUnion I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent TransUnion a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX  can not verify this Bankruptcy how is TransUnion able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my TransUnion 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 2021-02-13 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: CA

Complaint narrative:
XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXXXXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One will not provide the total payment history of the debt for credt card ending in XXXX which became XXXX. They only provided the last several years, but the original account ending in XXXX dates back to year XXXX or earlier. 

Capital One has not provided any proof of the original agreement that was signed so I can ascertain my position and in which state the loan was matriculated. Year XXXX or earlier. 

The original agreement should have followed an APR of " Prime rate plus margin '' metric and this was not followed as the prime rate was lowered several times during the crisis from XXXX to XXXX. This is a potentially serious breach in the original agreement which I had requested proof of signature. The changing of interest rates was not something to which I agreed, and I was never notified of any changes to the original agreement.

Capital One may have contacted friends and or family including my children via phone as well as my elderly parents asking about me and potentially revealing details about my debt without my knowledge. 

Capital One suffered a massive data breach in years XXXX, XXXX, XXXX, XXXX and XXXX. I believe my personal credit and personal information was breached in many of these cases, and I received unwanted robocalls, telemarketers, and unsolicited emails and postal mail as a result of Capital One 's failure to ensure the consumer protection I am ensured by law.

Capital One also reported unfairly to credit agencies for late payments that were deemed late because their phone system did not allow for calls dialed to them before the cut off time yet finished after the cut-off time to considered an " On time payment. '' I had this happen to me many several times and as a result my credit score and credit reporting were unfairly damaged. I believe this is something that has affected thousands if not hundreds of thousands of customers. 

Capital One also provides " confirmation codes '' on the phone payment system which are intentionally misleading. For example - all confirmation codes were impossible to ascertain as Capital One intentionally used letters and numbers that were phonetically overlapping and similar such as " 3 & P '', " 3 & C '', " P & C '', " D & T '', " 3 & D '' etc making it entirely impossible to feel secure as a consumer that my payment confirmation code would be validated or useful for reference. Feel that this could have affected thousands or hundreds of thousands of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
in XXXX of XXXX i took out a loan with santander to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX XXXX in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now santander has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and santander but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXXXXXX XXXX owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

Company response to consumer: Closed with explanation