vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 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: NY

Complaint narrative:
I recently signed up for XXXX XXXX to monitor my credit. I noticed an inquiry that I did not recognize. After determining what the inquiry was for, I believe it to be the result of someone else having misused my personal information to obtain a line of credit. The inquiry was for a store credit card that I did not apply for. I did attempt to contact the company who ran my credit but was unable to reach anyone because I do not have an account, the computerized phone system will not allow me to reach a live person. I would like the following inquiry removed : Equifax : XXXX - inquiry from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I have reports on my credit of not paying XXXX  and XXXX XXXX XXXX the problem i called the company and they told me they had different birthday on it cause its my dads name but it got put on my credit I put dispute threw XXXX  didn't change it they told me I just need to pay but its not mine and I shouldn't have to fix my parents problems I live in there house and we have same name is where the mix up is coming from I've never missed payment on anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
a Fraudulent company. Name Sequium www.sequium.com has contacted me in the form of an email to try and collect {$10000.00} from me. This is under investigation of 49 attorney general of the school XXXX XXXX University and collection agencies from all over all all trying to extort money from us, This is an 11 year old feud with XXXX this company as no right to send me an email I have no idea where they got my personal information. This issue is also under investigation my the state senator as well. This company has no right to send me anything. I want them added into the lawsuit for trying to collect an 11 year old dispute. They are the 7th company to try this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STATE FARM BANK, FSB
State: TN

Complaint narrative:
In summer XXXX I incurred unexpected auto repair expense that wrecked my fixed income ( Social Security ) ability to pay my two credit card payments. XXXXXXXX XXXX  was very helpful and gave me a long term no interest payment plan that I've been paying for over a year. State Farm Bank ( now bought by XXXX XXXX ) put me on their hardship program in which my payments were {$60.00} per month for a year. In XX/XX/XXXX this hardship year elapsed. My XXXX statement was 50 % more than the hardship payments for the previous year. During the hardship period my income decreased by more than 10 % due to XXXX deduction. On XX/XX/XXXX I called State Farm/XXXX XXXX and asked to remain on the hardship program. " XXXX '' told me that day that " we can't do that '' at which time I informed her that " yes, you can ; you just refuse to do so. '' I happen to know that the bank can do pretty much whatever it wants, up to and including writing off the entire account balance. From XX/XX/XXXX to XX/XX/XXXX I made no less than a dozen attempts with State Farm/XXXX XXXX  to arrange payments I can actually afford. All I got was the " we can't do that '' lie. " XXXX '' told me this same lie on XX/XX/XXXX. I have a voice recording of that conversation. On XXXX XXXX someone at the bank brought up the " permanent hardship program '' and I asked " why hasn't anyone told me about that before? '' The bank person had no answer and I was never offered the chance to be in this heretofore unknown program and they never brought it up again in all the numerous calls, letters, and emails I sent them relative to this matter. In XX/XX/XXXX they sold the account to a debt scavenger and I've made one payment to them and figure to continue doing so. My complaint has to do with whether the bank can blatantly and repeatedly lie to its long time ( more than ten years of not being delinquent ) customers with the " we can't do that '' lie. Also that no effort was made to tell me anything else about the so called " permanent hardship program '' that was only mentioned that one time in XX/XX/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 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to a chase bank and asked for my JP XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on 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
Consumer complaint received 2021-02-21 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:
I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on 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
Consumer complaint received 2021-02-21 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: RFNA, LP
State: TX

Complaint narrative:
I am behind on payments and I have an arrangement w the office to pay on XX/XX/23. 
I have had this arrangement since XXXX. I don't break sets. They call everyday anyway. I block the calls, calling me isn't going to get it paid faster. Sometimes they call two or three times a day. Seems kind 've XXXX to me. 

So yesterday they made an inquiry on XXXX. I guess to generate a call from me. I already have a set. So my score went down 10 points on that bureau. I do not appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Citbank has been unwilling to do the right thing and correct their numbers as I try to finalize a refinance with another lender. I gave them the option to reduce my interest rate from 4.5 % to 3.0 % and they refused to help me a XXXX Veteran and Senior. Then after giving me a forebearance plan and agreeing to add the payments to the end of the loan they now make the claim that it is a second mortgage which adds interest, fees and claims that are untrue and complicate closing my refi. My loan amount balance, according to their own statement XX/XX/2021 is {$270000.00}. It has not been above {$280000.00} for the past year yet now they claim I owe {$290000.00} when it comes to a payoff. This is an inflated number on both principle and interest and adds fees that are just part of their attempt to grab more money that they have not earned and is not owed. I have tried repeatedly to get them to do the right thing and make fair and honest adjustments and they just send multi page documents full of words and not real facts so they can get more money and hold up my refinance. This is blatant greed and they are undermining my legitimate effort to save myself monies as I am on a fixed income as a XXXX Veteran Senior. I intend to file a lawsuit if they do not make the adjustment. It is in fact a form of discrimination and unethical and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hi We made account on coinbase in XXXX They conducted an initial verification. We passed and purchased ethereum. 
Now when the crypto currencies gained value again. We tried to sell. But they put the account on hold for " Review '' Been 45 days. 
4 attempts to make contact using their given contact info.

Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX XXXX # XXXX - my account has been in verification stage for a month now!!! 
XX/XX/XXXX, XXXX XXXX  Case # XXXX - I want to close my account XX/XX/XXXX, XXXX XXXX Case # XXXX - My account has been in review status for 7+ days XX/XX/XXXX, XXXX XXXX As per their rules and regulations XXXX XXXX XXXX Section 8 They haven't responded in 15 days. 

Crypto currency being volatile We have lost a mass $ XXXX To date the company has not responded or made any contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21 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:
1. credit inquires This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where you organization has made inquiries into my credit history, to have you illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquires removed. 

2. credit report The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Conn's, Inc.
State: TX

Complaint narrative:
An account with Preffered Lease was opened in my name XXXX XXXX with a monthly installment of {$230.00} when I purchased a {$3500.00} dollar refridgerator from a company called Conns. After making 2 payments, and recieving a damaged company, after having complained to the company many times asking for replacement, it was finally decided that we would cancel out all ACH payments and they would pick up the product, cancelling out my lease agreement with them. This should have satisfied my agreement and i am now seeing it as a negative mark on my credit report with a total amount due in the {$8000.00} range! This is fraudulent. Can you please look into this for me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a XX/XX/XXXX credit card which I paid in full by XX/XX/2020, I chose not to have automatic payments since I owe nothing. They charged the annual fee and I didn't notice because I no longer use the credit card and then in XXXX they reported the bar credit to the bureau without a late payment notice by mail or phone and even worst they didn't care about the covid forbearance on act by then. The amount why they filled the negative report it was just {$40.00} and if you check my finance history I never missed a payment in any of my credit or loans to have such a small amount affecting my credit score. I hope you can help me ask them to get back in reason and regularize my credit score which is the more important for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I received a notice to collect a debt, on XX/XX/XXXX on XX/XX/XXXX I called to verify debt and speak to a manager about some discrepancies within the document. I was given an additional phone number to call a manager separately. So I called the same day XX/XX/XXXX and was put straight to voicemail. I gave it a few days with no response, called again between XXXX left another voicemail, still no response. I then called the main number again asking for a way to clarify/resolve this complaint only to be told to speak to a manager and gave me the same number, which I then said I had already tried calling. I then called again 2x on XXXX ( the managers number that was given to me ) and left additional voice messages and still as of today XX/XX/XXXX still have not received a response back. However, today this account was reported on my credit report without ever receiving a phone call or verification. 

I also want to note that I even called the original creditor ( the medical facility ) who also told me I need to speak to EOS to resolve this matter. So I have exhausted all I can do until a manager calls me back.

Company response to consumer: Closed with explanation