vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
American CollectionsXXXX XXXXXXXX XXXX XXXX  XXXX on false debts. They are trying to collect a debt with an alleged date of XX/XX/2019 from a XXXX XXXX I didnt see until XX/XX/2019, then they say its because of my daughter XXXX XXXX when she was never a patient there, she was only XXXX. All details are false and dont make any sense. I have contacted the creditor : XXXX XXXX XXXX XXXX XXXX and they make it clear not debt is owed, I was on XXXX with no job and didnt pay anything out of pocket. This is identity theft with false information. They have also failed to respond to my debt validation letter with to in XXXX days.

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 2021-11-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This isXXXX  XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts are constantly reporting on my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Since XXXX XXXX XXXX This company has systematically prevented me from obtaining true reason to why my all of my modifications are being denied AFTER they give a invalid explanation of their reasoning AND then when i do show proof of their errors, and patterns of violations of FACTA caused by their own omission they never received timely docs on multiple modification denials causing unnecessary harm that could have been prevented so my point is had they Secured my documents all along this wouldn't have harmed me and i wouldn't have a bunch of complaints .Mr cooper has continually violated section 12 U.S. Code 5219 - Foreclosure mitigation efforts of the Dodd frank act cause they haven't fulfilled their part of the bargain by Securing my information properly and accurately depicting exactly what my ability to repay etc then I never get a real explanation as to why after they are caught in their lie.. I mean they could have said we saw a error but NOTHING. then it caused serious stress and financial harm that was unnecessary.. I mean its thanksgiving and im still at it with this servicer that wont do the right thing and even when they are compelled by Cfpb etc they jsut stiff judgments and hurt more people with their polices .. whose the chief compliance officer of this company?? one must be called to task for the ineptitude of this farce attempt at compliance with federal and state regulations that were simply put into place to protect all consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The date of the late payment is XX/XX/2018 where I am marked for a XXXX day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan XXXX XXXX XXXX where I have not missed a late payment and refuse to give me a reason or response as to why this XXXX  day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this XXXX day late payment from both Equifax and XXXX removed that I did not do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The date of the late payment is XX/XX/2018 where I am marked for a XXXX day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan XXXX XXXX XXXX where I have not missed a late payment and refuse to give me a reason or response as to why this XXXX day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this XXXX day late payment from both Equifax and XXXX removed that I did not do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
What happened? In XXXX suspicious communications from XXXX and XXXX appeared on XXXX XXXX XXXX, A user agreement was suppose to be provided placing each student on XXXX under super-vision of XXXX Describe what happened, and well send your comments to the companies involved. : XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX did not offer to be that they were involved in the XXXX XXXX XXXX XXXX filming about MECN which published my identity Without consent, These types of Personal Health Violations have caused me XXXX XXXX XXXX XXXX XXXX XXXX have been published with XXXX XXXX and XXXX XXXX, As a XXXX XXXX  Climber I was forced to rescue a potential infant from a potential burning building flight XXXX Floor where I had to Climb the building with my hands and feet which are now XXXX after being beaten by the companies who have posted this continuous fraudulent records without my consent, I was separated from XXXX  Related Judge because I was A victim of XXXX XXXX, companies opened accounts with my name ( Fraud ) without my consent XXXX times Include dates, XX/XX/XXXX Total : XXXX XXXX XXXX XXXX XXXX : FTC XX/XX/XXXX Total : {$68000.00} XX/XX/XXXX Total : {$2400.00} XX/XX/XXXX Total : {$8000.00} Total Estimate : {$78000.00} Filming : XXXX Suspect : XXXX XXXX XXXXXXXX

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 2021-11-25 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: GA

Complaint narrative:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts and inquiries listed in the attached file below which all resulted from the Reported Incident of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process .My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax XXXX Despite sending them the letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXXi within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE this erroneous accounts that still reporting on my account. 
XXXX XXXX XXXX ***** Opened XXXX XXXX, XXXX Balance {$11000.00} Charged off XXXX XXXXOpened XXXX. XXXX, XXXX Balance {$0.00} Late Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I advised XXXX debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent Jefferson capital system a debt validation letter over XXXX+ days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with XXXX after not receive debt validation request and was advised information was accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: FL

Complaint narrative:
They advertise XXXX  XXXX XXXX BUT it is axteap because they force you to sign one up for service to get the score and make you call to cancel. Misrepresentation- the '' rest of the story '' let the seeker beware.

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 2021-11-25 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I advised Experian debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent XXXX XXXX XXXX a debt validation letter over XXXX days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with Experian after not receive debt validation request and was advised information was accurate

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 2021-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I sign up for the coinbase platform in XX/XX/XXXX since then Ihave benn investing every month, hanving returns.on XX/XX/XXXX Idecided to get some of the profitability out of my personal account and leave XXXX euros in my Coinbase portofolio.the next day Coinbase restrited my account ( supposedly because of problems they tell me ) on XX/XX/XXXX he entered Coinbase and all my chrytomocurrencies have disappeared for approximately XXXX euros .I feel like he scammed me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, Experian, and XXXX. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over XXXX, XXXX, Experian. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

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 2021-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Although I am being sued by XXXX XXXX XXXX XXXX XXXX XXXX, the true entity behind the foreclosure complaint is servicer Bayview Loan Servicing. The foreclosure complaint claims that there is a default under the terms of the loan modification. For educational purposes, why does a lender or plaintiff plead a breach of contract under the terms a loan modification and not on the original terms? Because a loan modification agreement is an extension to the contract and therefore lender must plead that a default occur under the new terms of the loan modification. For clarity see Florida case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bayview loans & XXXX XXXX XXXX  plead that a default occur under the terms of the loan modification. See attached complaint for your review. After carefully reviewing the allege loan modification we noticed that the agreement does not comply with Florida statutes of fraud and therefore is invalid without any legal enforcement in any Florida Court room. Under Florida statute 494.00296 ( 2 ) ( a ), A written loan modification agreement must be signed by both parties. Under Florida statutes of fraud, any modification to a contract is UNENFORCEABLE UNLESS memorialized in a written document signed by the parties or their representative. The allege agreement is void and without any legal effect as it was not signed by XXXX. See attached loan modification agreement page 4 of 5, it states the following in the upper part of the page " As evidence by their signatures below, the borrower and the lender agrees to the foregoing., it was never executed by XXXX. At this juncture fraudulent Bayview loan servicing from XXXX XXXX FL, can not make the claim that they forgot the signature page as they would be engaging in fraud. A lender must have standing at the inception of the foreclosure and does not acquire standing during the duration of the foreclosure action. The frivolous complaint must be dismissed as a matter of Florid law. You pleaded to a loan modification extension that never existed as XXXX never sign and therefore the agreement is a NON contract without any validity in A FLORIDA COURT ROOM you know better than that Bayvew Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: NY

Complaint narrative:
I am submitting this complaint in regards to two accounts XXXX Bank and XXXX XXXX XXXX XXXX that I demand be removed from my credit report. I have submitted an FTC report ( number XXXX ) on XX/XX/2021 with my driver license and social security card to Equifax and they have not removed these two accounts. According to 15 USC 1681 b a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to have these accounts on my credit report no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX I used my Current Debit Card to make a transaction from my Current Checking Account to my XXXX XXXX XXXX so that I could move it to my other debit card not related to Current so I could get gash to pay my rent. During the transaction XXXX approved the transaction for receiving the monies, however Current Bank declined the transaction at the last minute, therefore holding up my 600.00 in a pending status. This is the only money that I had. Today my family and I are sleeping in our vehicle because we could not access our funds to pay our rent. Current will not help solve the transaction they want the time to run out of 10 days. I don't have 10 days, we have no food, no shelter. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX living now in a car because of this nonsense. Today is XXXX and I can not even get enough money for a meal for them. I am standing out begging strangers to please help us all because current pulled some shady transaction and held up all my money. I spoke with XXXX XXXX and they indicated that is a common occurrence with this Current Bank. It is fraudulent and I bet if someone looked deep enough they would find some fraudulent activities going on. As of now I am out 600.00. I am seeking legal help come Monday morning. I may not get anywhere but I at least have to tell my story in hopes someone will listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: OH

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation