vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, Experian claimed to have no record of me having a credit card ( XXXX to boost credit ), experian had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since XXXX  went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..XXXX  had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards

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 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter stating that I had unpaid debt from a 3rd party debt collector from a medical bill. The amount owed was {$46.00} from XXXX XXXX XXXX which was passed to Frost-Arnett, the debt collection agency. However, I had not known about this bill because I was not told about this payment due. So I contacted the company, the same day I got the letter, asking for verification and what had happened. I was told that in XXXX I was billed that amount. However, I remember that day and my doctor never told me about any bills to pay or I was never billed that amount. There was no phone call, email, or actual mail saying that I needed to pay. I even have voicemails going back to XXXX with no one contacting me. I lived in the same place from almost 7 months, until XXXX when I moved back to California, so I should have received a letter by that time. 
Until XXXX, when this letter came in. So I was really confused, and in that same phone call, asked them to send me an email confirmation the information needed. I made a follow up call after some thought to understand what would happen to me if I did not pay the bill or how to dispute the claim, then they hung up on me without giving any clear answers. 
However it has been 6 days since that day, today is XX/XX/XXXX. I understand there was a holiday in between and they may only respond during business days. But even excluding those, they had 2 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards

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 2020-11-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on equifax, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I opened an account with Coinbase, Inc., several years ago. I used that account to purchase and sell digital currencies such as Bitcoin. It has been some time since I last accessed my account. When I tried to gain access to my account over one week ago, Coinbase locked my account presumably because of an issue with the authenticator application. My authenticator application that was once linked to Coinbase was disconnected. For me to reset my password and gain access to my Coinbase account, Coinbase 's online instructions state that I must log into my account and link my authenticator application through the Coinbase settings. But this process is circular and leads me to a dead end. I need the authenticator to provide me with the code I need to log in, but the authenticator will not work until I log into my account. 

Coinbase does not have live support. I have emailed their helpdesk multiple times and nobody has reached out either by email or telephonically. This is important because I have deposits in that account and Coinbase 's inability to respond and get me the help I need to gain access to my account is unacceptable. Coinbase should not be serving consumers if it does not have the infrastructure to provide timely account support. I may have lost significant amounts of money due to my inability to log in and find out about the status of my cryptocurrencies, which as one might expect is a volatile investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2020 I received a number of unsolicited phone calls from XXXX XXXX  XXXX XXXX XXXX Pushy calls from XXXX XXXX who had knowledge of my debt. He said he would give me 0 % interest for life with Bank of America for a fee of {$7000.00}. The next day it dawned on me that this was a Scam. XX/XX/XXXX I called and canceled. Asked for my check back They said NO. I stopped payment on XXXX XXXX 2020. They got more abusive calling me a XXXX  old Man. A number of harassment of calls followed trying to bully me into reverse my decision. The transfer was done without my permission. When the Bank of America card was sent I did not accept its terms, use it, just held it. Calling, Bank of America telling them of this Scam cancelling any transfer. Bank of America, shuffled me around the country with my complaint, many hours on hold. No help. No resolve. I submitted complaint in writing. Bank of America response was obvious that they did not read my complaint and no one signs their letter so I can not respond. I continue to get harassed by Bank America. Due to the ABUSE I want forgiveness of this debt

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 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: PA

Complaint narrative:
On XXXX of XXXX XXXX XXXX XXXX forgave me for the past amount due on my account in the amount of {$2500.00}. However even after I contacted the collection agaency to report the debt as being forgiven they popped up on my credit report after I applied for my mortgage loan making my score fall -25 points. I called the Bay Area XXXX which at first couldnt find the debt but then still shows on my credit report even after the creditor XXXX XXXX XXXX has forgiven my account into a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
The debt collector tries to collect a debt for {$1100.00}, which was incorrect. I took the original company to court because I did not receive any notice. After all, it was false. Even though they were aware, they report to the credit bureau. After winning in court and paying the correct amount of {$500.00}, they refuse to update my account with The credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My credit was stolen 5 years ago and I have been working with credit card companies to have the debt removed. Capital One Bank will not contact me to investigate the application fraud that resulted in the {$11000.00} of fraudulent charges that has been negatively impacting my credit report. I have been working with XXXX  each month to get this fraudulent activity removed from my credit report. I have filed a police report, Identity Theft Report and a US Post Office Identity theft report because my mail has been stolen for the last 5 years. I shared these documents with XXXX  and they have shared these with Capital One Bank as well as I have reached out XXXX  multiple times encouraging a investigation to prove that I did not open an account with them and I should not be held liability for these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers

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 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX has been discharged previously and post discharged inform not reflected on my credit report. 

The post discharged has been going on for over three years now.

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 2020-11-30 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: NY

Complaint narrative:
XXXX has been discharged previously and post discharged inform not reflected on my credit report. 

The post discharged has been going on for over three years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has been XXXXischarged previously and post discharged inform not reflected on my credit report.

The post discharged has been going on for over three years now.

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 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers

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 2020-11-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX desperate transfer XXXX  XXXX credit card debts they could not reconcile or proof to XXXX XXXX XXXX XXXX to avoid conforming to FTC guidelines and to keep incorrect information on my credit report. It is a tactic adopted by XXXX and XXXX trying to avoid the sixty days ruled, failure to proof legality of debts, manipulation, and fraud. 

I received statements that reflected large returns of XXXX  transactions and actual credit lines never provided neither a spending of cash/cash equivalents reconciliation of large deposits. I did not get any increase in credit lines to reflect the uses of those large return. For this reason the XXXX XXXX XXXX  credit cards accounts should be deleted in good faith because it does not full conform to FTC guidelines by law. 

In addition, XXXX has transfer accounts to XXXX XXXX collection to avoid liabilities for desperate and manipulated reporting of non variable information 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 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
in XXXX of XXXX I went to the local post office where I have a XXXX XXXX , to see if my tax refund was there. it was not in my box. The postal worker saw me and handed me mail that was addressed to General mail. It was from XXXX tax board intercept dept. I opened it and it said {$440.00}. was taken for a debt collection agency, XXXX XXXX XXXX. 
I called the number to ask what was going on and mentioned the fact that I did not have info that I owed this and told them I have not lived in XXXX since XXXX. 
The agent was rude and would not provide her last name or employee id number. I asked to speak to a supervisor and she said she was the supervisor. 
I mentioned ID theft issues I have and asked about any Statute of limitations that apply to old debts. 15 years pass and I had no notices of owing XXXX XXXX XXXX and it was not in my XXXX credit report. I told her I needed my refund due to a work injury in XXXX that I was not receiving XXXX for. She did not care. I contacted the court to get more details of this alleged debt and was not given any clear info. in XXXX of XXXX I received 4 notices from the collection agency but it had a address based in XXXX MA, about this alleged debt. They gave 4 different account numbers and debt amounts and failed to mention what they took from the tax refund intercept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I searched deeper into my credit reports and I discovered even more egregious violations of the FDCPA the FCRA by the CRA, Transunion LLC.. Transunion LLC is just standing by with a blind eye allowing & enabling these rogue preditatory debt collection agencies just destroy peoples ' lives with impunity because they know Transunion will not hardly delete anything even it's illegal behavior. Examples below : 1. ) Transunion is allowing XXXX XXXX XXXX ( aPhantom unlicensed debt collector ) and XXXX XXXX XXXX Plus ( a Phantom unlicensed original creditor ) just keep an illegal debt-parking scam acct # XXXX 
on my credit reports for ( 4 ) four years even though I proven factually in writing that this fraudulent acct # XXXX needs to be deleted due violation ofFDCPA & FCRA 2 ) Both ofthese companiesknowingly lack licenses to operate in GA. when they illegally placed this fraudulent acct # XXXX on my credit reports!!! I brought evidence in writing for that also.. 
3. ) Transunion LLC knows that XXXX XXXX XXXX pretended to be an attorney when wrecking credit with these violations & They still wouldn't delete this acct # XXXX!! 
4. ) Transunion LLC is well aware of the fact that " XXXX XXXX XXXX '' is a " fake '' name original creditor name it has no license to operate in GA! 5 min look on GA. Secretary of State website shows anyone that fact!! 
5. ) Transunion LLC knows that these 2 Companies illegally increased their " fake '' collection amt from {$8000.00} to {$10000.00}!!! 
Transunion LLC is well aware of all these issues are violations of the FDCPA & the FCRA!! Transunion should be neutral and siding with the truth but they are not!! 
CFPB and FTC please help with these Bullies ...

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 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are extra incorrect addresses that are reporting to my credit report. These addresses do not belong to me. I have attached documentation showing my only address.

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 2020-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 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 2020-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I received a vehicle title loan a week later I was laid off the loan had insurance as if I were to loose my job I was covered - I submitted the information meantime covid hit I became homeless and lost my mailing address. I did not receive any mail from this company nor towing company to make me aware they were repossessing my vehicle My car was repossessed on XX/XX/2020 the lendmark financial says if I give them {$300.00} its the towing company thats charging {$650.00} for repossession Please help me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: FL

Complaint narrative:
This debt has been paid in full through XXXX and needs to be removed from my credit report

Company response to consumer: Closed with explanation