vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
This complaint is in regard to the frivolous response last presented by XXXX XXXX XXXX ( SPS ) on Complaint # XXXX. 

SPS in their response failed to mentioned that on XX/XX/XXXX on a conference call with XXXX officer XXXX XXXX. SPS admitted that the account in question was First delinquent on XX/XX/XXXX. The fact that I filed bankruptcy in XX/XX/XXXX can not have any impact on the original delinquency date of XX/XX/XXXX. Therefore this XXXX  credit repoing practices by SPS PROLONGED the automatic removal date of this derogatory account which should have occurred on XX/XX/XXXX. Because of SPS credit reporting practices my credit was damaged for almost an additional year since they refused in multiple occasions to remove this account from CRAs. Additionally, XXXX XXXX XXXX Bankruptcy Case is not longer active and SPS was granted a lift of stay in XXXX so they could continue with the forclusure Case. In spite of the granting of lift of stay, SPS never continued with the foreclosure case.

I dont know from where SPS can changed the original delinquency date when a debtor files Bankruptcy, that is ilegal and in violation of the 15 USC section 605 ( 4 )  This account was removed from XXXX CRA on XX/XX/XXXX because it was overly reported by almost a year. Not because XXXX XXXX  XXXX Bankruptcy Case still active. 

I am bringing this information to CFPB so they can further investigate SPS credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report erroneous information on my credit report and will not allow my dispute to be processed. XXXX has removed these accounts as they were deemed fraudulent. Experian has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX XXXX # XXXXxxxx

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 2018-03-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone had pulled aunauthorized hard inquiry on XX/XX/2017 and I would like it to be removed and on the XXXX Credit report it shows the contact information is XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX And I got a response from them saying that they don't see my record.. 
Please remove my aunthorized hard inquiry..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Dear CFPB Team, I need your help on this matter, has been few bad days for me waiting for coinbase to resolve my issue and I have bad customer service and no support. I bought some litecoin on XX/XX/XXXX and they charged my credit card twice for the amount of {$580.00} us dollars, since my credit card was charged twice the my bank did a reversal and reject the two payments. Then I tried to login back into my coinbase account and they ask me for the payment of {$580.00}, I submitted the payment using my personal checking account and they took the money from my account so they said it is paid already few days ago, they reply me back after several calls and emails saying that they received my payment but my account should remain locked until an specialist review it, its been few days and this remain as it is, I called several times and they told me the same thing, I email then too and they replied the same, I am attaching the case history, it is not fair as coinbase treat the clients. I need your help having my account unlocked and gaining access to my funds, all my funds in coinbase are in us dollars. I just called right now and they gave me the same response, over and over, they don't unlock my account. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX continues to report erroneous information on my credit report and will not allow my dispute to be processed. Transunion has removed these accounts as they were deemed fraudulent. XXXX has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX # XXXX XXXX XXXX XXXX # XXXXxxxx

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 2018-03-09 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: FL

Complaint narrative:
My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unfortunately, my house sustained damage during 2017 hurricane season. After seeing the advertisement on TV for mortgage payment deferred program I immediately called Wells Fargo to have my mortgage placed in a forbearance period. I was told I would not have to make payments for three months and payments would be moved to the end of my mortgage. As the three months approached I received harassing phone calls and threatening letters to make payment, if not, I would face collection or worse foreclosure. 

Wells Fargo did not follow the law. 

I am a hard working individual and I must say, I was treated unfairly.

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 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I received multiple notifications about deletions, additions or changes in my credit report. I have disputed the validity of the alleged debt and account with this collection agency and still feel as though my consumer rights are violated. In Case # : XXXX the company responded dated XX/XX/XXXX they would cease and desist further actions. As stated above I received notification that changes to my XXXX and XXXX credit reports had been made. The changes were that the account was closed and removed from the XXXX report. As for the XXXX report heres where the problem is. The account was removed from the report, however it was reinserted without 5 day written notice as required the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Card was previously added to the XXXX payments center to keep on file for digital purchases. Subscription service was linked to card thru XXXX. Renewal time came around and card had expires as I forgot about the subscription from a year ago. XXXX as punishment issued a ban for any adding of cards to my entire XXXX account. Contacted XXXX. They advised they would not unrestrict it. I find this to be a violation of UDAAP. Having a card reissued for the same card number ( new exp and cvv ) is not an indicator of fraud or money laundering etc. That is a common  practice of a bank to issue a new card with a new exp. I feel XXXX has been unfair and very deceptive about accepting payment and giving support which did not solve any issues.

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 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A credit was issued to my XXXX checking account ending in XXXX in the amount of XXXX from XXXX XXXX on or around XX/XX/XXXX, the account is currently restricted from any withdrawals. I received a message from BBB ( Better Business Bureau ) in  regard to complaint filed against XXXX XXXX, the company that distributes XXXX XXXX merchandise. The merchant said they issued credit, this is as of yesterday. It has not posted as of today, XX/XX/XXXX, however, I will need a check this amount once it does. I've left messages for a XXXX XXXX at Capital One, she does not seem to return calls, two messages were left thus far and not one returned. Several items are in dispute currently including the item from XXXX XXXX, as well as others. I am currently working with merchants to resolve directly, I will need a check for any and all credits issued to account from companies in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I took out a loan with XXXX XXXX in XXXX, Alabama last year some time. I didn't need the loan, I was basically just doing it to boost my poor credit score. They issued me a check and I attempted to deposit the check into my back account using the smart deposit. My bank rejected the check. In the process of all that going on I lost the check. I called them and told them my problem. A lady named XXXX was very ugly and rude with me. Basically calling me a liar saying the check has been cashed. Well it has not. They call me 5-7 times a day and I tell them to stop calling I'm not paying. They later sued me. I never received the paper. Now they have started calling again. Threating to take my house and any and all property. I have them on recording. I have asked repeatedly for them to stop calling. They still call and threaten me daily.

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 2018-03-09 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: FL

Complaint narrative:
My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

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 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alpha Recovery Corp
State: GA

Complaint narrative:
I have informed Alpha Recovery Corp that this debt does not belong to me via letter and dispute. I continue to get calls and mail about this debt. I have asked them to verify the unknown debt and they have not. I am on social security and can pay I debt that is not mine.

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 2018-03-09 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: FL

Complaint narrative:
My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

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 2018-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/2018 I received an email notice from XXXX  that my score had dropped drastically, so I checked the site and found that my 29+ year old credit card with JCPenney had been closed by JCPenney . I submitted an email to JC Penney 's customer service which responded that it was unavailable so my inquiry was rejected. I called JC Penney customer service at XXXX. The CS agent could not find my account ; asked my address ; phone number ; etc., telling me that none of my information matched any of their records. I asked how could I have paid their bills for the last 27 years that I have been at this address, if they had not sent my bills to this address. CS agent had no answer. I further asked how they could close the account without giving me any notice or reason. The CS said they did give me notice, but would not/could not tell me when/where the notice was sent. Instead, I was then told that I had to go to a physical store with photo ID to prove who I was before they coud talk to me. That ended the conversation.

I've always paid the credit card on time, never late. I never received any notice regarding this card being closed. I want to know why, after almost 30 years of having/using a JC Penney credit card in good standing, it was closed WITHOUT any notice. This single act of closing my oldest credit card has dropped my credit score significantly.

This is happening to my over XXXX year old friends as well. We have long standing store cards that are being closed after becoming " managed '' by XXXX XXXX Those that do receive a notice are told they do not meet the lender 's criteria any longer.

I see a pattern of age discrimination because we 1 ) pay our bills so the lender doesn't get those late charges from resposible card holders and 2 ) by closing out old, long-term accounts, it drops credit ratings on the elderly so the lender can charge higher rates.

Punish people for being fiscally responsible.

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a letter in the mail stating they ( Transunion ) took my XXXX XXXX XXXXccount off of my credit report. I didnt ask them to do that. It is my longest credit history, therefore this will adversely affect my credit score. I previously submitted a compliant for them to update my accounts. I never asked them to delete a open account.

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 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was evicted in XX/XX/2015. A judgment was entered, and I owed {$2200.00}. They said I had to pay an amount of {$230.00} a month if I wanted to keep this off my credit. The payments were due each XXXX  of the month. I paid on time the best I could. When not able to, they worked with me. They accepted a lesser amount, but I had to make up for it the following month. The last payment was made in XX/XX/XXXX. I ran a credit report shortly after this to start working on other issues, only to find that it was reported in XX/XX/XXXXBEFORE the payment was even due. I feel this is completely unfair. I contacted the company several times, and they said they could not send me a deletion letter so I could have all 3 credit bureaus remove it, but they sent me a paid in full letter. That letter was in my purse when it got stolen out of my car, so I dont have that anymore, but I do have proof it was paid off. The company did contact the credit bureaus, and transunion and experian took it off right away, as it was unfairly reported. XXXX, however, to this day, refuses to remove it. They claim theyve contacted the company and gotten confirmation that its accurate. This company claims they told equifax to remove it. Neither one will do anything to actually remove it, and its preventing me from getting an apartment for me and my children. This has affected my credit for a year and a half longer than it should have. It never should have been reported because I did my part to keep it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
My mother keeps receiving calls ( twice in XX/XX/XXXX and one at the end of XX/XX/XXXX ) from Malcolm S. Gerald and Associates regarding debt that has been paid in full more than 7 years ago. I have copies of my credit reports ( upon your request I will forward ) showing this debt has been paid, and there is no other delinquent debt in my name. I have also never received a debt validation statement or any kind of written communication proving I owe this debt after any of the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: FL

Complaint narrative:
Experian fails to remove the 13 XXXX XXXX XXXX accounst. Experian reports incorrectly that these accounts first report dates. Experian reports incorrectly that these account balances. Experian reports incorrectly that these accounts are past due. Experian reports correctly payments then deletes them. Experian reports incorrectly these account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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