vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 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 have contacted XXXX XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equifax and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXX  and Experian are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor

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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
Guild Mortgage is not offering a good forbearance option for COVID-19 relief. I asked time and time again to set my XXXX, XXXX & XXXX payments to the end of the month. But they insist on I pay a lump sum, or a immediate payment plan after forbearance. The other applicant in my loan has lost his job, and I have my hours reduced. How can we pay the additional payments at the end of forbearance if we cant pay our full amount now?! 
I specially asked Guild Mortgage to do this, and they completely ignored my request and placed me on a forbearance plan without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2020 I redeemed XXXX points via Chase Ultimate Reward for a non refundable ticked on XXXX XXXX. The flight was set to take place on XXXX That flight has since been cancelled. I received no notification of cancellation from XXXX XXXX, nor from Chase. I have contacted Chase Reward several times, and they refuse to process the refund. I have contacted Chase is several other ways, including via XXXX, Phone, their cancellation form available online. I have had multiple service representatives disconnect their conversation with me entirely or by transferring me without notice or consent. 

Chase insists on following " policy '' over the LAW. US DOT and EU guidance has dictated that cancelled flights must be refunded, regardless of the reason of the cancellation. Chase refuses to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: HW Holding, Inc
State: NY

Complaint narrative:
I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been a Coinbase customer since XXXX of 2020 and had no issues with them. All of the sudden Sunday XX/XX/2020 i received an email from Coinbase telling me that they had to close my account, they did not offer me any reasons or explanation. In that email they tell me that i have to transfer my funds out of Coinbase. Here is where the problems start, when i try to transfer my funds it says " You are not allowed to withdraw any funds at this time. Contact Coinbase support '' and then another message that says " You are closing too many accounts, please try again later ''. But it will not let me do anything with my funds. The funds are as follow, i bought XXXX BTC at an exchange rate of $ XXXX/BTC plus a Coinbase fee of XXXX for a total of {$14000.00}. This transaction was made on XX/XX/2020 using my checking account. The reference code they send me for this transaction is XXXX. On XX/XX/2020 i made another purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$73.00} for a total of {$5000.00}. This was also made with a checking account and the reference code from Coinbase is XXXX. The following day, XX/XX/2020 with the same checking account as the previous one i made a purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$2000.00}, the reference code for this one is XXXX. This all adds up to XXXX BTC, and {$21000.00}. Of this amount i withdrew XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I have still XXXX BTC which Today XX/XX/XXXX is trading at $ XXXX/BTC or {$21000.00}. As of today i can not access my account or do anything with my funds. They said they had to close my account but yet they are holding my funds. I am not asking for anything more than i am owed. As you can see i have everything on record and will take any action necessary until my funds are given to me. I want my XXXX BTC and the longer they keep it the more at risk i am of losing it because the price can crash and i could loose my money and they have been holding these funds since XX/XX/XXXX and have made no attempts to reach out to me. This is the first step i am taking based on legal advise that i received, the next steps will be to take legal action and to report this to the FBI. Also whatever loses i obtain because of a price drop and me not being able to withdraw my funds because they would not let me when the price was stable and i had the chance to get my money, i will also file for damages and hold them accountable for any loses. My trading price will not be lower than it was on XX/XX/2020 when they closed my account and failed to let me transfer my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Experian Report Number : Transunion file Number : XXXX Equifax CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX Account number : XXXXXX/XX/XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXX/XX/XXXX{$670.00} Acoount name : XXXX XXXX XXXX Account Number : XXXX also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/20, I went to the drive thru for BBVA Compass Bank in XXXX XXXX, CO. I asked for a copy of my checking account statement, but the teller and the branch manager refused. The falsely stated that their system was down and that it could not be rebooted because it was a nationwide outage. After checking in the internet I found no such outages nationwide for BBVA Compass Bank. There is a order in place in this state for banks to remain closed due to COVID-19. So I was not able to go inside the bank to request this information. This is the second time that this bank has refused to provide me with a copy of my bank statement during the pandemic. It is always with the same excuse that their machines are either slow or down. I believe they are stealing my stimulus money, or other XXXX funds from my account and are trying to cover up the fact by not allowing me to see my statement. They have also been unlawfully sharing my personal bank information with other persons ( XXXX females ) without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Nothing has been done. My loans show I owe more money. I have paid all my loans up, through payroll garnishments, taxes being withheld, and even been in the rehabilitation program. I have had several servicing companies to handle my loans and they are not reporting accurate information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND NOW NELNET. THIS HAS TO BE SOME ACTION AGAINST THIS TYPE OF COLLECTION BEHAVIOR. I NEED SERIOUS HELP. THIS HAS GIVEN ME XXXX, ALL OF THESE COMPANIES HAVE COLLECTED AT SOME POINT. I HAVE ADDED UP ABOUT XXXX OR CLOSE TO IT. That is double even triple my loans borrowed. I have provide some information and I hope it dont confuse to the point I am, I also have copies of my check stubs. I am missing end of XXXX and XXXX but just wanted a reference. My contact number is XXXX email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I need help with the forbearance process and answer some questions. I have a loan serviced with Quicken. The recent FHFA announcement about not needing to pay a lump sum at the end of forbearance. I need to know if the refi option or ability to extend my loan term by the number of months forbearance will impact my credit and if we can agree to the terms prior to starting forbearance. My concern is if I cant make a credit card payments or if I'm late during the forbearance will impact my ability to qualify for the repayment option. I need help to understand my options and the website is very limited information and the options are not clearly defined. Tried to reach an agent multiple times with no response or agents are not available for both online and call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TX

Complaint narrative:
Filed complaint XX/XX/20 XXXX Experian Credit Bureau. Received response along with credit report dated as ( Report # XXXX for XX/XX/20 ). It states I made a statement that is FALSE & FRAUDULENT on " Active Military Duty ''. I have never been in any branch of the military and definitely would not have told this lie. When I talked to someone who identified themselves as " XXXX 's '' ( Experian ) this issue was notified as been fraudulent and I wanted it removed from my report. I was not aware of this until my Banker was reviewing for financial matter. I could not Believe this was listed on my report. This was in XXXX, if not mistaken. Now here it is on my report XX/XX/20. 

To further concern in all of this corruption and fraud, FBI should contact me since these activities initiated from Local Law Enforcement and other locals to " Bring me down anyway they could '' and recruited residents, convicts, thugs, XXXX defendants ... line goes on. I've made reports of all including been threatened, harassment, vandalism, damage to home and me. This was revenge, invasions, privacy in my home and I can include much more. Then they stated I was XXXX XXXX  after their continuous lies were falling back. This lie have spread for last six years after I was able to identify actions of illegal activity. 

I want that fraudulent statement REMOVED from 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 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
In late XXXX, XXXX XXXX took me to court and quickly got a default judgment order on me because they never sent me any notice of being sued. 

When I found out in late XXXX, I got the order reversed and counter-sued them. This went on for about a year and a half. 

XXXX XXXX has never sent me any documents nor anything to prove I owed the debt. During the settlement conference in late XX/XX/XXXX, the judge and two lawyers threatened me that if I did not accept the terms, I will owe more because I can not win in court to the tune of {$65000.00}. The debt was never mine. XXXX XXXX used fake documents and checks to say it was mine. They owned my home loan and of course they had copied of checks I sent them. I was promised copies of every document before I made one payment plus a signature from a some high authority from XXXX XXXX of documents. Nothing was sent to me except a threat. The signatory was a legal analyst from their office. Hardly anyone of authority. Why didn't the lawyer present sign that document? This was a scam from the beginning. They knew they were going to get the FULL amount from the start by offering to reduce the amount. They scammed me and scared me. I was on medication at the time of the settlement. I was emotional and could not think straight. I would have agreed to anything that day. 

$ XXXX was agreed upon, Now, it is the full amount of {$32000.00} and growing. This is so unfair. I want to go back to court and sue them for fraud. I believe XXXX XXXX sold the debt to XXXX and XXXX. They own the debt, not XXXX XXXX. If that is true, that is fraud in itself. 

Worst of all, they are using the pandemic to file documents against knowing that the courts are closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: CO

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 2020-04-29 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax makes it impossible to get your annual, free credit report online. It doesnt matter how many times or how accurate the verification questions, Equifax always make you request your report by mail. This is against the spirit of the law and undermines the intent of the law. Equifax needs to be found in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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:
( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX Report Number : Transunion file Number : XXXX XXXX CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXXXX XXXX XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help 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 2020-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Experian Report Number : XXXX file Number : XXXX XXXX  CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX, XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX  Acoount number XXXX XXXX, XXXX {$670.00} Acoount name : XXXX XXXX  XXXX Account Number : XXXX also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help 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