vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: GA

Complaint narrative:
My complaint involves all 3 credit Bureaus but especially XXXX  who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX  Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!

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 2020-12-09 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: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Ally for reporting an incorrect late payment on my credit, which is preventing me from refinancing my house at a XXXX loss. They admitted originally that this was their error as my account shows all on-time payments. Additionally they have had 46 days to correct the problem and the only response they will give me is they will send an email to the credit department to try to expedite it. I originally filed a dispute directly with them to speed up the process, but to no outcome. They will also not give me contact information such as a phone number or email to the credit department that can actually remove this error from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NJ

Complaint narrative:
In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX  is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.

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 2020-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc.
State: UT

Complaint narrative:
Payoff.com has adversely impacted my personal credit through predatory credit lending practices. I applied for a credit card consolidation loan and was given a rate of 9.99 % APR. A few days later, I was told that my application was completed and that I just needed to accept the loan. There was no mention of my rate increasing in their communications with me however when I looked at the fine print, my APR had increased to 11.99 %. When I brought this to the attention of their customer support, I was told that is a normal occurrence and credit rates are complex calculations. I did not accept the loan for a week to reevaluate my options given the change in rate. When I went back to their website, my APR had increased another 2 % to 13.99 %. Both of these increases had occurred in less than 2 weeks. I asked customer support why my rate increased and was told a very similar answer. I authorized Payoff.com to perform a hard inquiry because of false information that they provided me with. This has lowered my credit score and made it more expensive to attain the loan I am seeking. They claim to help people get out of debt but I am now in a worse situation because of false information that they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously provided XXXX  court documents demonstrating my name was changed from XXXX XXXX to XXXX XXXX XXXX. XXXX  continues to list XXXX XXXX on my XXXX  account, although that name has not been used since the court order. Additionally, I have not applied for credit under the name XXXX XXXX since the court order.

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi-corp has sent a garnishment to my employer for some carpet that was purchased over ten years ago that was not in both my name and my ex husband name, XXXX XXXX XXXX never received any paperwork or anything from this creditor. This account is not on any of my credit reports. How can they garnish my wages when ive never received anything from them for court. Thank you in advance for helping me resolve this matter.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a previous address that is on my credit report that I never used and never lived at I am attaching a letter to explain the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with account listed under IQ Data International. I requested a validation on XX/XX/2020 as there were several discrepancies that were identified with this account that I do not believe I owe. My main issue is that I was a participant with XXXX XXXX XXXX XXXX at this time and due to mold issues in the apartment that were not corrected within the amount of time that was agreed upon between landlord and XXXX I was required to move. This is something that the landlord was aware of and due to their failure in acting and upon agreements between housing and them they forfeit any rent owed. I reviewed my credit report again on XX/XX/2020 and the account was listed as disputed by consumer however no validation of debt was ever received. Therefore on XX/XX/2020 I sent a 2nd validation letter requesting complete validation for this debt again. Credit report was reviewed again on XX/XX/2020 and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 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: The Bureaus, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
1. XXXX XXXX XXXX XXXX financed a XXXX XXXX XXXX through Exeter Finance for XXXX $ US at a 18.75 APR % **APR State limit for TN 10 % **No income verification **Willingly and Unlawfully mislead XXXX XXXX into a Unfair Loan 2. For 52 months XXXX XXXX XXXX XXXX $ equating to XXXX $ U.S. ( Borrowed amount Payed back XXXX {$3.00}. In XXXX Exeter Finance was sued for Usury by AG. XXXX  office in Massachussets. She secure over XXXX XXXX for consumers in the Mass state for these exact same allegations.- ( XXXX Exeter Lawsuit ) 4. XX/XX/XXXX Corona virus caused XXXX XXXX lost his job as well as extending his licensing process for over 6 months. XXXX XXXX notified Exeter immediately asking for a freeze on account or some kind of extension until the Pandemic eased up and he could get his state license and working again. Exeter denied XXXX XXXX request on mutltiple occassions. 
5. In XXXX/ XXXX XXXX XXXX began to be able to work again and reached out to Exeter once more to pay and they denied allowing him to do so. 
6. XX/XX/XXXX " Subprime auto lender Exeter Finance has agreed to pay more than {$6.00} XXXX in two states for financing auto loans that the lender knew or should have known were unfair. '' 7. XXXX Lawsuit investigation on Exeter Finance has been spread to 36 states. 
8.XXXX XXXX XXXX XXXX XXXX repossessed, company has not reached out to allow him to get belongings from the vehicle such as, Two car seats, electronics and important documents. 
9. XXXX XXXX has also personally bought multiples parts for the vehicel such as Tires, Starter, battery bumper, left side driver door, ball and hitch this is not an all inclusive list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX, I started a home equity loan with XXXX XXXX XXXX, Client Relationship Consultant, NMLS XXXX, p. XXXX | XXXX. I applied for XXXX, the value of my house is XXXX and my credit score is over 800. I am doing this because I live on a limited income and taxes and association fees keep going up. I am XXXX soon. I have a home improvement lien on my house with the City of XXXX, MN for about XXXX and each year that passes the amount goes down and at some point will be XXXX and forgiven. After all this time on XXXX they sent me this notice, Hi XXXX, Please login and review your Adverse Action Notice. Be sure to review as soon as possible to keep your application moving forward. I logged in and the bottom line is US Bank is saying we can not move ahead because of the loan with the City of XXXX. The City of XXXX is willing to sign papers to take second position on my house, I have talked to them more than once. I also have a line of credit for XXXX, with US Bank with a XXXX balance, which I am willing to close. I did this exact type loan with US Bank 2 years ago with no problems. I feel like their is something fishy going on by them denying me this loan.

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 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
HI, the exchange Coinbase are restricted my account, without no reason, I can't buy/sell or withdraw any digital asset into a digital secure wallet, I can do nothing even try to delete my linked methode payment, to create a another one but everything is stuck, I try to check Identity with passeport, ID CARD, driver license every is fine but my account still restricted, many case was open but Coinbase support no response. 
many people have a same issue you can see on XXXX. Please can you help me ans everyone ha the same issue with coinbase? 
thank you Mr XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: RI

Complaint narrative:
I bought a 3 pair of shoes from a private seller I found on XXXX XXXX  and he added his XXXX phone number to contact him. After days of talking with the seller I bought the products on XX/XX/2020 via Western Union with amount of {$630.00}. I received the product on XX/XX/2020. I contacted the seller for a return since I didn't like the quality of the product but he didn't want to cooperate with me. So I filed a dispute on my XXXX credit card which was used to pay for the Western Union transaction. However, on the XX/XX/2020 Western Union didn't grant my dispute even I submitted documents for evidence, and just advised me to contact the seller again since it can't be disputed anymore. I contacted the seller on XX/XX/2020 but he still didn't want to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/2019 I had a {$150.00} XXXX XXXX Credit Card Account Closed with a Balance of {$270.00} at which point I had made arrangements and made Payments to pay the Balance owed in which it reflects on my Credit Report that the last Payment was made on XX/XX/2019 I don't have the records but I know I paid all but about {$50.00} of this entire debt. which shows as a {$0.00} Balance on my Credit Report. However, In XX/XX/2019 XXXX XXXX sold the Debt. to Midland Credit Management. Since MCM has purchased the Debt they have contacted me multiple time by phone and mail. They continue to say I owe the entire {$270.00} and I have disputed this and have been unable to resolve it but simply the fact the Debt shows a last payment 3 Months and 3 weeks after the account was closed makes it more than obvious enough that I paid the Debt after the account was Closed. In all fairness I truly believe that Midland Credit Management should be fined the {$1000.00} for continuously Violating my rights under the Fair Debt Collection act. Plus everything about the Debt and or account be removed from all three reporting agencies. 
I would expect with the fine money a letter saying they are sorry for trying to collect a Debt I have previously settled before they purchased a Non existent Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NJ

Complaint narrative:
In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX  is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NJ

Complaint narrative:
In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.

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 2020-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I have sent them a letter asking for the debt to be validated and removed per section 609 of the FCRA due to it being a result of identity theft. I never entered any agreements or accepted any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have the wrong name on my credit report and old previous addresses that don't belong to me as I never lived there

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 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I bought my house in XX/XX/XXXX. Penfed Credit Union took over the mortgage in XX/XX/XXXX. 

In XXXX, XXXX, I received a delinquint city tax bill from my City. This is strange because I see tax payments from my escrow account at Penfed. 

On XX/XX/XXXX, I called Penfed to figure out what is happening. I spoke with XXXX, who told me to email a copy of my delinquint bill. There was no email confirmation and I received no contact. 
On XX/XX/XXXX, I called again to verify that the documents have been received, spoke with XXXX again, who told me that the documents have been received. 

No contact. 

On XX/XX/XXXX, I called again to see if there are any updates. The woman I spoke with told me that XXXX was not the right person to speak with, and to email the delinquint bill again. Also, I was told that the " appropriate department '' is working on it and that someone from that department will be contacting me. 

No one has ever contact me by calling, which I requested every time. The only email communication I receive is either none, or an automated email response. 

On XX/XX/XXXX I call again and finally learn that PenFed has been paying my escrow to the wrong property since the beginning of the loan. In total they've paid out around XXXX $ XXXX for someone else 's property. 

After finding this out, Penfed decided to pay all the delinquint taxes to the City plus the late fees, and changed my escrow balance to negative XXXX XXXX dollars. ( - $ XXXX ). 

I send another email on ( XX/XX/XXXX ) asking what has happened to my escrow balance, and a detailed report on how I can get my money back, plus reduce my monthly mortgage payment, and once again receive no answer back. 

On XX/XX/XXXX I call again, and this time, was told that they are researching and they will ask someone in the escrow department to contact me. 

I make it clear that I am forced to pay over $ XXXX a year in escrow just to cover Penfed 's mistake. This is way higher than what I legally owe. It is destroying my finances and if I don't make this payment I will get a penalties and late payments. 

Penfed does not care, $ XXXX is small to them, but it is an incredibly large amount to me. I keep on calling and calling and no one really seems to care.

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 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
3 problems : [ 1 ] My mortgage company is Dovenmuehle. They put me on a forbearance from XX/XX/2020 through XX/XX/2020 ( to include all payments from XXXX to XXXX ). They deferred all of my missed payments except XX/XX/2020. Now I'm passed due and it's not my fault. They are refusing to put XXXX into the deferment. [ 2 ] I requested a loan modification because, as of XX/XX/2020, I am on Social Security XXXX. They are refusing to let me apply. They are refusing to send me an application and every time I call them they hang up on me. [ 3 ] Dovenmeuhle sent me a Loan Transfer Notification XXXX. I received a statement from the new Service, XXXX XXXX, XX/XX/2020. I set up a XXXX payment through my bank, which was sent to XXXX XXXX electronically on XX/XX/2020. Then later that day I received a notice from Dovenmuehle that my loan was not transferred to XXXX XXXX and that I must pay Dovenmuehle the payment for XX/XX/2020. Please see attached documents. I have spoken to a dozen representatives at Dovenmuehle about these issues. Now they keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I do not owe this debt.

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