vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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:
XXXX, XXXX and Transunion have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status Transunion has not updated the file in over a year and states the account is closed, and XXXX shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have lived in XXXX XXXX, SC for the past two years, not XXXX, SC which is two hours away. My credit report, of which I check monthly, states a collections account by National Credit Systems IncXXXX that I owe {$240.00} to XXXX XXXX. A creditor of whom I have never heard of, been to, or been associated with. I have not been contacted by this creditor by phone, email, or mail. I have never heard of a XXXX XXXX of whom they are saying I have a joint debt with. I have not owed any debt to any rental property company for the past 12 years of renting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am financing this vehicle with West Lake Financial. I purchased the car in XXXX and monthly payments are {$480.00} a month for 48 months I have paid sometimes more totaling {$23000.00} and attempting to trade vehicle and payoff balance {$14000.00}. XXXX XXXX XXXX for {$37000.00}. Unpractical how could this be? 

I feel as if I am being robbed. Doesn't make any sense. Now I am stuck with a car having to pay {$14000.00}. The car was financed for 5 years this is my fifth year still owing {$14000.00}. Car purchased XX/XX/XXXX. Does not add up. Please help.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
loan care morgage Service are reporting mortgage late on my 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I had an auto loan with Bank of America ( account XXXX ) and the loan was closed at the end of XXXX. I traded the vehicle in on XX/XX/21 and the dealer completed the closing of the loan with the bank. Despite the loan being closed, the bank refuses to refund the overpayment on the account and drafted an additional payment after the loan was closed. All attempts to reach a representative at Bank of America have resulted in being transferred by phone numerous times before being disconnected. I just want my money back and it has become apparent that Bank of America does not want to provide this refund for this overpayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Have been locked out of my Coinbase account for over a month now when I did not request it. I have over {$7500.00} locked on their site with no way to access. I reached out to customer support which told me 3-4 days for a response and still havent gotten one, I also reached out to customer complaints which said 15 days for a response and still havent gotten one. Theres no way to get ahold of any one to retrieve my account so theyre essentially stealing my money without me even approving of my account being locked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2021-03-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
For 7 years we have been receiving phone calls from Municipal Services Bureau for debts of various people that have never even had this phone number or lived at this address, and we have on numerous occasions called to tell them this .... They still " robo '' call us ... Now they don't even state who's debt they claim is owed ... Not ours though, since we have none owed to anybody. Some days there are multiple calls from this company

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 2021-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
This company is showing up on my credit reports as owing them a debt and in it's comments states that the debt was sold out to another company. I no longer have a contract with this company as they chose to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$580.00}. Acct number XXXX. THIS IS NOT MY DEBT! I did not get a PAYDAY LOAN FROM XXXX XXXX. I never received correspondence from this company stating that, I owed the money, or was aware of this debt. This is illegal and unethical practice. A company should not have the authority to place a collection/debt on a consumers credit file without correspondence or proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Coinbase has refused to merge my two accounts after I fully identified myself as they directed. They have not answered months worth of emails. They have stolen thousands of dollars from me in XXXX. [ Reply ] Case # XXXX - Email access no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
This mortgage company is deducting money from my escrow for payments other than insurance or taxes. The following month they are claiming an escrow shortage. I have requested an audit showing all money transfers or cancelled checks and have been refused.

Company response to consumer: Closed with explanation