vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have sent letters to dispute items on my consumer report to XXXX, XXXX, AND XXXX, the investigation took well over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I was going through a divorce and had to move out of my home. My wife was still living in the home. I began to work with a real estate agent to complete a short sale on my home. Per the lender, all documents were submitted that were needed. We had been working and cooperating with the Select Portfolio since the short sale file had been opened. My lender began asking for duplicates of information already sent. At the request of the lender, my agent re-submitted all information. Upon calling in to get an update, the mortgage lender stated they cant help me due to a foreclosure sale date being established and because they mailed out a document that needed to be sent back that I never received. I am just trying to sell my home via a short sale and have done everything that was requested of me. It seems as though they are trying to force me into a foreclosure and not assist me with my property and that's not right. Can you help me in some way please. My foreclosure date is XX/XX/21

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Tried to apply for a Capital One card ( under a pre-approved email ) to expand my credit portfolio and they declined due to " the applicant has been reported as deceased ''. 
I contacted all 3 bureaus as instructed on the back of the Adverse Action letter along with XXXX XXXX and no one has me documented as deceased. I also, contacted the Social Security office here locally and Nationally and no one has me reported as deceased. 
I called Capital One and they said they would investigate it if I were to mail in a complaint letter along with any reports and letters I received from the different reporting agencies. 
Because of this issue I can not purchase a car, home, rent an apt or home, obtain more credit cards to improve my credit score, which by the way, I brought from no score to a XXXX in a matter of a few months. 
I believe this all started with XXXX XXXX and the 2nd round of the Paycheck Protection Program when they got the 1st 5 numbers of my ssn backwards?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: ND

Complaint narrative:
Good morning. t 's have been 5 days now and I'm having a problem withdrawing my funds. From XXXX XXXX, 2021 {$5500.00}. I have some recurring bills that I need to pay like my Home Mortgage, electricity, health insurance, car insurance and etc. I'm in dire of help to withdraw these funds from my account. Kindly please someone gets back to me and helps me on this matter. I just don't know why I'm having a hard time withdrawing these funds but funding my Coinbase Pro is so easy for you people to get that from my Online Banking! This is really outrageous and has red flags. COINBASE is a public traded company in the stock markets. And I asked this COINBASE Company ( coinbase.com ) to release these funds at the right time. Apparently, not willing to help me, and they always rerouting my calls to COINBASE Voicemail and it's pretty obvious Coinbase employees aren't helpful from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Constant calls from a company called Hunter Warfield out of XXXX Fl,, last call XX/XX/XXXX at XXXX ; XXXX. They keep saying they locked my XXXX account which is NOT true, I have a XXXX balance on my XXXX account & even XXXX customer service says there are no issues.. 
When I call this company at XXXX XXXX same number that keeps texting me they will not help without personnel info which I am not giving them because XXXX says there is no issue with my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I already submitted this complaint. However, the companys response was very unprofessional and completely missed the point of what I said. So, I will resubmit. There is an inaccurate Bankruptcy reported on my credit report. XXXX, who is the provider of information to XXXX  as well as the other two Bureaus, has deleted this item because they deemed it inaccurate. Again, I will add this documentation to this complaint again. Also, third party vendors do not receive information from the Bankruptcy courts. They do not received the full SSN. So, XXXX YOUR THIRD PARTY has deleted it and it is illegal to continue to report something that is inaccurate on my report. My middle name isnt even correct on this Bankruptcy. You claim XXXX verified it but thats impossible since they already sent me the updated file with it completely removed. The results in the response I was sent that you cited in the response all say verified by XXXX. How is that possible if XXXX has deleted this? It isnt. Also, there is a screenshot from XXXX stating that they provide public record information to 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 2021-08-30 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: VA

Complaint narrative:
I took out an auto loan back in XXXX for A XXXX XXXX. I made payments until XXXX or XXXX, at which point, I fell behind and stopped paying altogether. 

The car was voluntarily repossessed. The bank that lent me the money ( XXXXXXXX XXXX XXXX XXXX ) transferred the debt over to a collection agency ( XXXX XXXX XXXX ). There was a court appearance in XXXX for the debt. I contacted the collection agency to settle the debt for the amount of {$5000.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX and I received a letter from the agency saying the account was resolved. 

Recently, I disputed the balance on my credit report, which showed I owed XXXX XXXX  XXXX XXXX {$2300.00} on a closed account. Since then, they increased the balance owed to {$5300.00} and reopened the account, tanking my credit score by 60 points. 

I contacted them today and spoke with their legal department which will pass the information to whomever needs it to rectify this. I am making this complaint because of aggressive tanking of my credit score at a time when I am looking to be preapproved for a home loan. It was retaliatory for something that shouldn't even have a balance, as they repossessed the car, transferred the debt to a collection agency which I paid.

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Account Name : FIDELITY CREDITOR SERV ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SC

Complaint narrative:
Equifax has failed to furnish the date of last activity and the date closed alleged charged-off account XXXX as requested in my first dispute sent in XX/XX/2021 The date of the last payment is inaccurate as seen by the Payment history calendar. This is a failure to ensure maximum possible accuracy before furnishing this alleged charged-off account XXXX on the credit report therefore Equifax is in violation of USC Title 15 1681b " accuracy of the report '' and USC Title 15 1681i 5 1-2 " Treatment of inaccurate or unverifiable information delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I WAS SERVED A SUMMONS REGARDING AN ACCOUNT THAT WAS PART OF MY IDENTITY THEFT CASE AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've tried disputing with XXXX  XXXX on more than three occasion but they keep reporting me late for the past 16 months although I have a written agreement with 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 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I walked into XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I spoke with their salesman XXXX XXXX and told him I was looking for some custom wheels for my car. After sharing some photos with him we came to a decision on which wheels and rims would be appropriate as well as how long it would take to receive the wheels and tires, get them painted by his contractor. and mounted on my car ; he guaranteed me this process would take no longer than 10 days, I paid my deposit of {$3300.00}. From that point on i passed 20 days, then 30 days and Mr XXXX would either not return my call or tell me that their painter had made mistakes with the paint and that they were going to fix them. Every time I spoke to Mr XXXX he told me it would be another 4-5 days. At 40 days i told Mr XXXX that I no longer wanted the wheels because it had taken quadruple the time he promised, He refused and said that because they were being custom painted they would not refund me. I told him I would wait 5 more days and then I was going to file a dispute with American Express with whom I had placed the deposit. We surpassed the 5 days and the wheels were still not ready so I called American Express and asked them to file my first dispute ever. American Express told me that this would not be an issue since I had not received the merchandise and it had been far too long. I was given a temporary credit. Approximately 10 days later I called American Express to see if they had found in my favor permanently and I was told that they had. I have since purchased the wheels from a different company and they completed the transaction under the 14 days that they were promised in.

Four days ago I received a text message from Mr XXXX telling me that American Express had found in XXXX XXXX favor and if I didnt pick up the rims then I would forfeit the deposit! I was furious and called American Express expecting that this was some type of trick. American Express would not acknowledge that they had already found in my favor so I asked how this was possible ; I asked to see what paperwork had been submitted or why no paperwork was ever requested from me to refute whatever bogus claims the merchant had made to allow for a finding for the merchant. This is wrong. the merchant did not provide the merchandise in the time promised. 

I would like my {$3300.00} returned to my account immediately and permanently. This merchant did not provide my completed merchandise in the timeframe they agreed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In XXXX I was wrongfully evicted from an apartment complex. I was told my deposit was forfeited ( {$1500.00} ) and will not be applied towards my owed balance ( {$2700.00} ). When Professional Debt Mediation bought my file they sent me a summary of what was sent to them in reference to what I owed. Upon reviewing I noticed that the itemized list did not add up, unless there were missing items from the list. At the time I had no idea how to dispute this and fighting homelessness. More recently, I discovered that I may file a dispute because of the mathematical errors on itemized list so I did and was to by the credit reporting agency to reach out to Professional Debt Mediation to possibly get a resolution. I reached out to company with itemized list in hand to go over, and the representative was having trouble explaining how the numbers added up to the total ; and she definitely tried. When I told her that they should accept lesser amount due to the misinformation, that representative then allowed me to know that I could be sued for not taking care of this. Also they have added this to my credit report again ( XXXX ) since it was supposed to drop off in XXXX. I made an honest attempt to settle, because there may be some money owed, however it is not what was stipulated on the itemized list that is being used to determine my debt. They are charging almost {$3000.00} for an apartment that had no holes in the walls or any interruption of the foundation what-so-ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft SYNCB/LOWES Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-08-30 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: VW Credit
State: NJ

Complaint narrative:
I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VW CREDIT INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VW CREDIT Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
In late XXXX, there were three charges to my bank account for almost {$400.00} each. All three charges were the same exact amount. The charges said, " XXXX '' which I XXXX  and found to be a company called MoneyLion. XXXX refunded the fees and sent me a new debit card, so I thought that was the end of it. On XX/XX/XXXX, I received a credit card with my name on it from MoneyLion. I contacted them to say that I had not applied for a credit card with them and that this must be related to the charges to my bank account. They assured me that I just needed to cut up the card and I would be all set. They also asked me to speak to their fraud department, which I did. When the fraud department asked for the phone number associated with my account, I gave them my phone number and they said that was not the correct number. Of course it wasn't - because I did not open the account. They would not give me the phone number that had been used. Anyway, I filed a report with their fraud department that day. On XX/XX/XXXX, I received a letter from them letting me know that they determined that I HAD opened the account with them and that they were closing their investigation. They included a copy of my " application '' which simply contained an electronic signature with my name. I have been contacting them almost weekly since receiving this e-mail and they keep saying the same thing : I'm sorry, there's nothing we can do. Well, today, I received an alert that there was a change to my credit report. There is a delinquency from MoneyLion. I am in the process of buying a house - or I WAS. Now I am in the process of trying to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
My quality of life is being drastically diminished because XXXX XXXX XXXX illegally bought my information from a company that I did not give my consent to furnish or sell my information which in violation of 12 USC 1431 ( identity theft ) they also violated law 15USC 1682 BY DISCLOSING MY PERSONAL INFORMATION WITHOUT MY CONSENT TO THIRD PARTIES.. I AM AWARE OF MY RIGHTS UNDER THE LAW AND THESE AND THE PROVISIONS IT PROVIDES TO ME TO EXERCISE MY RIGHTS AS TO THE CIVIL LIABILITY THESE COMPANIES FACE MY INTENTIONALLY BREAKING THESE LAWS REGARDING MYSELF OVER THE LAST SEVERAL YEARS. THEAE VIOLATIONS ARE NOT UNDER FCRA COMPLIANCE. THESE COMPANIES HAVE ALSO FAILED TO VALIDATE ANY CLAIMS MADE AGAINST ME SET FORTH BY THE FCRA AS TO THE VALIDATION OF INACCURATE INFORMATION .THIS INNACRUATE REPORTING NEEDS TO BE DELETED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THESE INACCURATE INFORMATION HAS BEEN DELETED/ REMOVED FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation