vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX JXXXXDispute XXXX XXXX USADispute TEXAS XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXXDispute filed ftc violations o

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 2020-07-10 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: CA

Complaint narrative:
XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX USADispute TEXAS XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXXDispute filed ftc violations o

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I have had an offer sitting with the bank for over 36days regarding a short sale transaction. Amerihome/XXXX has responsed to come up on the offer to appraised value $ XXXX which which was done 36days ago. Need a decision on the short sale approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Financial Solutions, LLC
State: ID

Complaint narrative:
Today on XX/XX/XXXX I spoke with XXXX, supervisor, at Accelerated Financial Solutions. Her extension is XXXX. She advised she would have to reach out to another department to verify the account. This account charged off in XXXX and was placed back on my credit report within the last month. This is invalid. This account was bought by XXXX from XXXX. Not only are they doubling the amount owed, but reporting a recent charge off date of XX/XX/XXXX. This has impacted my credit tremendously. I never receive anything from this company in the mail, only the notice from the credit bureau via alert. This is very challenging especially in these times. Not only are they lying about the dollar amount, but they are lying about the charge off date. Also, they marked OK as status for XX/XX/XXXX through XX/XX/XXXX. This was an attempt to reactivate the account. They have no payment from me and definitely have no proof of payment. They did not even have the decency to advise me of the account purchase from XXXX. Very deceitful collection practices. Thankfully I keep all my past credit bureaus for instances such as this one. Please see attached credit reports reflecting deceitful collection practices and validating my statements. This account needs to be removed from all credit bureaus impacted. 
The company does not provide mailing address on site, but their website is https XXXX XXXX   Thank you for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX and Transunion are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consolidated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT 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 2020-07-10 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: CO

Complaint narrative:
XXXX, Equifax and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC
State: WV

Complaint narrative:
On XXXX XXXX, 2020 I received a call from Asset Recovery Solutions ( ARS ). The representative informed me that an account with a past due balance of {$520.00} was placed in their office and demanded payment. During the call, the representative informed me of the mailing address listed on the account. I advised that the address he provided is no longer my place of residence and gave my current address. The representative continued his attempts to collect the alleged debt. He acknowledged that I have the ability to pay a lower amount than what is allegedly owed and advised after placing me hold, that his manager would allow him to settle the account for {$420.00}. 

After communicating with the representative, I wanted to research my rights as a consumer as it relates to what debt collection practices are legal. I do not recall the representative stating the " XXXX '' XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. Furthermore, I have not received an initial notice letter, but I have received multiple calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: MI

Complaint narrative:
On XX/XX/XXXX, I called to make my monthly payment to XXXX XXXX XXXX  for my XXXX XXXX   account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to XXXX however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX listed my account in XXXX and XXXX as thirty days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to XXXX XXXX, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by XXXX XXXX even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as XXXX XXXX is reporting the wrong information to the credit bureaus.

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 2020-07-10 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: MI

Complaint narrative:
On XX/XX/XXXX, I called to make my monthly payment to XXXX XXXX Bank for my XXXX XXXX   account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX listed my account in XXXX and XXXX as XXXX days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to XXXX XXXX, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by XXXX XXXX even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as XXXX XXXX is reporting the wrong information to the credit bureaus.

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 2020-07-10 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: AmeriCollect
State: WI

Complaint narrative:
not my account I have not has a account dated XXXX XXXX 2019 with this company for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: SD

Complaint narrative:
I have opened a new XXXX  account last year, initially they informed me that there is a problem submitting my order, so they started a new account ( all the bills are paid up-to date ). Now they have charged me {$180.00} on the account that had the problem submitting. Eventually they submitted this amount into collections agency XXXX, Mccarthy and wolfe company, since then I have been trying to resolve the issue. I have submitted a dispute and they came with the result and said I need to pay that amount. This amount is wrongly charged and it is XXXX 's mistake, they are not willing to resolve the matter. I had talked to a person on XXXX side who had confirmed that the charges are invalid and they said they were going to resolve the matter, I am still receiving debt collection calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
I requested debt validation from Healthcare Receivables and I received back some charges but they changed the account numbers from what I request I requested a validation of debt from this company and they received it on XX/XX/XXXX. They sent back some charges and they did not respond to the account numbers that they have listed in my credit reports which are hurting me greatly. They have sent back fictitious accounts numbers bc they can not verify that this is my debt. The response on my complaint with XXXX  was the I was basically confused on what was an account number. They sent me some foreign account numbers that affected me being able to dispute with the credit bureaus. I will attach proof to this complaint. I have kept very meticulous records of my dealings with them.The correspondence that they sent has my named spelled wrong and an address I am not aware of. I do know my rights and I plan to use them to the fullest extent. I have no idea of these treatment locations nor this debt. I am convinced they are making this up to acquire money from people who don't know there rights. The dates they are showing on this paperwork is incorrect. I have witnesses as to where I was on the dates reported and will have that proof once we go to court. 
I KNOW THAT UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT WHAT MY RIGHTS ARE : REPORTING INFORMATION THAT YOU KNOW IS BLATANTLY A LIE AND INACCURATE VIOLATE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT! I do not recognize thus charges and will let it be known that I am disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XXXX Coinbase.com has a mechanism in their support ticketing system that automatically locks a users account. It is effectively a land-mine and I inadvertently stepped on it when submitting a support ticket. Now, I am unable to access my account and their support personnel are no where to be found. It's just an endless series of autogenerated email responses and survey 's. Not only am I unable to access the funds and crypto in my account, I am unable to manage the trades I have on their order book. This has left me in an extremely vulnerable position with no way to contact the company in a timely manner. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Integrated Asset Recovery LLC
State: OH

Complaint narrative:
XX/XX/2020 I called XXXX XXXX Associates. Not once during the call was I told this was an attempt to collect a debt.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My trouble is with my XXXX credit card which is issued by the XXXX XXXXXXXX XXXX Bank. Here is what happened. 

When I paid my XXXX, XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars XXXX. 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from XXXX that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, XXXX reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low XXXX ). 

However, XXXX put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling XXXX and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked Experian to investigate. 

The charge was not removed. I contacted XXXX credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. XXXX put me through to a supervisor who said there was nothing he could do and advised I contact Experian. 

Experian said there was nothing they could do and I should contact XXXX. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
A payment for a fitness facility was taken when the pandemic dictated they be closed. Per their CEO and website, the facility advised the accounts would be reimbursed. When the next billing cycle arrived, the credit did not appear. I was then advised it would occur on the first billing cycle after the facility was permitted to be open. The credit did not appear on the first cycle after the fitness center reopened. The emails to the fitness center then went unanswered. I contacted US Bank, IMMEDIATELY, on the date the fitness center last advised I was to receive the credit. I explained ALL of this to the US Bank representative recording my dispute. I telephoned US Bank twice, after disputing the amount, asking if it was normal for the process to take this amount of time, as I had not been reimbursed, nor had I received any documentation from US Bank. Today, I received a letter from US Bank stating they closed the case, as they were unable to locate a transaction in the amount of {$23.00} to XXXX XXXX on XX/XX/2020. I advised this amount was {$23.00}, many times, while speaking with the US Bank representative taking the information regarding my dispute. US Banks correspondence to me, dated XX/XX/2020, included the correct date of the transaction in dispute, the correct corporation charging the amount in error, and was a mere difference of ten-cents off ( their error ). I did not receive a call to request further info, nor any paperwork, to question if this could be the transaction being disputed, nothing. US Bank could not seem to figure out the ten-cent difference was their error. I telephoned US Bank after receiving the letter, but tired of waiting on hold. This was handled very poorly by US Bank.

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 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I believe Paypal is scamming me, and from Internet research I have witnessed numerous complaints from others about being scammed by this company. I have {$540.00} in donations at Paypal for donations to help the XXXX XXXX XXXX XXXX. For two weeks, I have been unable to acquire these funds. When I call Customer Service, I listen to recordings for five minutes ; the phone calls ends each time with " We are unable to assist you at this time. '' I've been communicating with Customer Service agents for two weeks. On every occasion, I have been directed to a phantom link. When I try to respond and say " this is a phantom link, '' I realize that they have terminated my chat session and I can no longer respond. I received an email from XXXX, and receive an additional phantom link. When I write back, I'm told that I need to go to the same Customer Service chat that has given me several phantom links. On line, the website refuses to accept my bank account despite all data being correct. The website further rejects my new phone, blocking my need to receive a code to enter. I believe I am subject to a scam. I have never experienced anything like this, and two weeks of my life are now wasted on this fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 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: FL

Complaint narrative:
I noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: RI

Complaint narrative:
Score dropped 27 points in one day with no imput or usage on my part. 
History says Bankruptcies- I have never initiated or had a bankruptcy. 
History- * I only use 2 cards one with XXXX balance, the other is satisfied every month to XXXX. 
. * auto-Installment are used for all recurring charges, I only have 1 per month at this time for {$200.00}. 
* Monthly payments are paid in full as requested. 
* No auto loan at this time paid in full 2-3 months ago. 
* No new credit cards opened in 3years.

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