vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: KEYCORP
State: NY

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Key Bank was then given my information without my consent or permission Pursuant to 15 U.S. Code 1602 ( p ) then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt under FDCPA Section 809 ( b ) key bank continues to violate with collection activity and haven't validated anything they failed to provide authentic documentation which clearly indicated no such matter existed there are four elements in a lawful contract and there was no Full disclosure Equal consideration lawful terms and conditions and signatures of both parties they then repossessed the vehicle Breaching the peace in which they clearly had no intrest in pursuant to 1692e ( 6 ) 1692f and furnishing fraudulent documents defined in,15 USC 1692j FTC report # XXXX Attorney General Intake Reference Number is # XXXX they failed to include insurance pursuant to 15 USC 1605 and failed to disclose that pursuant to 15 USC 1635 i had a right of rescission pursuant to 15 USC 1692f ( 6 ) ( a ) ( b ) they are threatening to sell my vehicle in which is a violation I AM A FEDERALLY PROTECTED CONSUMER TEHY NEED TO FOLLOW THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TX

Complaint narrative:
I want to let you know that I got into terrible situation as I have strange accounts in my credit report. I do not know them absolutely and I think its a big mistake or someone just filed these accounts illegally. I can not understand why I have them in my credit report still. The situation is out of control and I ask you to find out the reason of these accounts in my credit report. Thank you Also please remove them if you have a chance after investigation.

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 2021-05-04 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: TX

Complaint narrative:
I want to let you know that I got into terrible situation as I have strange accounts in my credit report. I do not know them absolutely and I think its a big mistake or someone just filed these accounts illegally. I can not understand why I have them in my credit report still. The situation is out of control and I ask you to find out the reason of these accounts in my credit report. Thank you Also please remove them if you have a chance after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: LA

Complaint narrative:
i am a victim of identity theft someone has used my identity i had my purse stolen from a gas station in XXXX here we are XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/2019, however, I was a legal resident of South Carolina at that time and never received any correspondence from either Portfolio Recovery nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. This company is more than taking advantage of consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.

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 2021-05-04 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:
There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 2021

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
The problem is with NewRez C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX on my account no. XXXX, their case # XXXX. My name is XXXX XXXX. I sold my home on XX/XX/XXXX XXXX the mortgage is paid in full ) and at closing I had to pay Real Estate Taxes in the amount of {$3900.00}. NewRez had also paid the same amount to XXXX XXXX in XXXX NC, and as such, the payment was duplicated. I had contacted the XXXX XXXX XXXX XXXX and they had informed me that they had returned {$3900.00} in XXXX of XXXX to New Rez. Therefore, NewRez owes me {$3900.00} as a refund of my duplicate escrow tax payment. I had initiated the inquiry to NewRez on XX/XX/XXXX and the matter never got resolved. I then wrote a letter to their CEO, Mr. XXXX XXXX on XX/XX/XXXX complaining about the lack of response on my refund. They send me a letter on XX/XX/XXXX acknowledging that I was due my refund but to date my refund has not been received.I am tired of waiting on them for my refund. To me this should have been resolved a long time ago. Why should I have to wait 6 months for this to be resolved?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My federally protected consumers rights were violated because Experian furnished false information without my written consent. I never gave Experian any written instructions to furnish anything on my consumers report. No consent is Identity Theft and infringement on my consumers right to privacy. Based off Experian violating my consumers rights, I am unable to apply for any Consumer credit for my XXXX as well as my XXXX. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX and stress because of these results. Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) which state : XXXX a ) In general Subject to subsection ( c ), 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. Experian is in violation of 15 USC 168XXXX. ( a ) ( 4 ) which state : ( a ) Accuracy And Fairness Of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
I have been locked out of my Binance.US Account which prevented me from taking out money or trading cryptocurrency from XX/XX/2021 until about XX/XX/XXXX. In which I sent at least between five and 10 emails to the companys customer service department which day replied we have your ticket number please dont email us I reached out to every member on XXXX that works for by biNance.US And finally my account got restored after two days I got shut down again and I can no longer take out money nor take out cryptocurrency from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
This VISA card goes back to beyond 2011, when it was Originally a XXXX  Visa Card, and was " Converted '' to BARCLAY. Back before that, I haven't records. 
-It was used as the XXXX XXXX XXXX to pay my XXXX XXXX after XXXX was gone. That was substantail because I was in Highest Senior Bracket. 
Along with others. 
" They put me on varying " Hardship Plans '' -- Each that would be fine for a number of months -- but XXXX. 
At XXXX they placed me on a different Hardship Plan. -- Which now I understand made the delayed portion now LATE. ( I think XXXX It accumulated Late Fees and a much Higher %. 

Since then, monthly I have been calling to find solutions -- looking for an Affordable Monthly Payment -- while making a Payment of Approximation. 
I WANT to pay this Bill. I ALWAYS pay Bills. But I can not do Hundreds of Dollars ... 
Yet they can only " Offer '' me Huge Pay Off amounts ... While I continue to make estimated payments. 
I am a XXXX on XXXX Soc. Sec. They want Payments well beyond my ability, all while adding Fees, and very High %. I call monthly for their " Help '' I can not pay " Settlement '' amounts. I want to do it Right. 
Please make them listen to me. Offer Reasonable Monthly, with Reasonable % and no Fees I have kept some records about these phone calls ( MONTHLY!! ) -- and the estimated minimum MONTHLY payment.

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I went into forbearance XX/XX/XXXX. I was contacted by Mr. Copper in XXXX on the XXXX, the day my mom died from XXXX. I asked to continue forbearance. On XX/XX/XXXX, I applied for a mortgage modification. Since then Ive called multiple times and checked online almost daily. They continue to tell me the modification is under review. Yet they call me regularly to talk to me about my mortgage. Im confused and frustrated. Ive sent them my wages as they requested initially. No solution. I filed bankruptcy which was XXXX XX/XX/XXXX. I want to to try and keep my house and feel stressed that Im not getting any answers. Should I be looking for a new place to stay? Are they going to work with me? I have NO idea. Im not getting any answers. Its all very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: PA

Complaint narrative:
On XX/XX/2021 I have called the XXXX XXXX XXXX XXXX  about my payment history showing up wrong on my experian credit report. They sent me over my ledger and it shows XXXX and XXXX was paid on time. Only XXXX is reporting correctly. By them not reporting XXXX my score will not increase.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 - I noticed an unauthorized transfer of funds ( $ XXXX ) into my Coinbase account from my linked checking account. This corresponded to a purchase I made from Coinbase in the same amount, but this transfer was unnecessary as there were adequate funds in the Coinbase account. 

I reported this problem to Coinbase who immediately froze access to my account. 

Since that time, Coinbase has been totally unresponsive to my requests for a status update. My account remains locked with a considerable amount of value tied up, and I have not been able to get any information about what is happening to resolve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: STATE EMPLOYEES CREDIT UNION
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a credit inquiry request from citibank, XXXX on XX/XX/2021. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.

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 2021-05-04 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a credit inquiry request from jpmcb - card service. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
XX/XX/XXXX {$35000.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$450.00} I sent transunion a 3 different letters over the last 105 days advising them of these fraudulent accounts on my credit file asking them to please send me a copy of the original application for these accounts. They have yet to do so. or send anything to me to verify these accounts.

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 2021-05-04 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: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I am struggling to pay the payment and the interest is {$8.00} daily. The contract states 188.97 % which I clearly did not understand at the time I signed at the transmission shop XXXX. I tried to ask them to lower the rate and the representative stated the were following FDIC guidelines and that they could not lower the rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation