vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
XXXX XXXX has repeatedly called me thru a pre-recorded phone call to my cellphone asking me to pay a past due amount on a membership that I requested to cancel numerous times already. I called in to cancel and they told me that it would be done. It was not completed. I called in again to cancel and they told me that I had to send an email to request cancellation, so I sent the email on XX/XX/2021. Then I received another pre-recorded phone call regarding a past due amount on Monday, XX/XX/2021. I called the number that was given to me during the message and asked again why I was being charged when I made numerous attempts to cancel this account. The gentlemen told me that they can not cancel the account while there is a balance because cancellations take effect 30 days after the request. I explained to him that the first time that I requested to cancel this account was well past 30 days ago. He stated I had to pay the balance and that the account will not be closed. They already took a {$84.00} payment from my account on XX/XX/2021 and they are still looking for more money. I have not used this membership and will not use it while there is a serious pandemic occurring. I explained this to the rep. I refuse to pay for a membership that I have not used and continue to request that it be canceled. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada
State: NV

Complaint narrative:
XXXX XXXX and collection service of Nevada. They have issued documents to for collections on night issue with XXXX XXXX XXXX XXXX XXXX live Nevada has not responded to my CFPB request.? XXXX XXXX in collection service of Nevada has illegally process a collection process. I have 4 other disputes West collection service in Nevada and they have not responded with the CFPB. I'm calling the CFPB to make an issue about collection service under that are not responding to the XXXX XXXX frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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:
I am filing this complaint so that my XXXX Late payments from 2018 are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX XXXX day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they don't seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The Capital One bank recently underwent a transfer to a new computer system, which I completely understand from a business perspective. However, this new process has been difficult for customers like myself, because of a lack of communication to their customers. Capital One bank changed their routing numbers and should have informed their customers at least 30 to 60 days of this new process. The change of routing numbers has forced so many of us ( customers ) to have to make so many changes for direct deposits and for electronic payments that come out of our accounts. I received notification via mail about 7 days before this new process took place. Granted, their are delays in the delivery of the mail due to COVID-19. However, I truly do not understand why the bank did not inform/communicate via e-mail for those customers that are signed up to receive electronic alerts. My mortgage payment was lost in the mail and then the account that it came from was closed by the bank and opened with the new routing number, which created a lot of problems for me. In addition, I had to complete paperwork for all of the vendors who I pay electronically because the routing number was changed by Capital One. It is hard to believe this bank would change the routing number with so little communication and especially during tax season. Finally, their online bill payment process has changed which will now could make some payments delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TX

Complaint narrative:
To Whom It May Concern, This is my third time filing this complaint about Experian. I have recently been informed that there is negative information reported in the file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see a negative entry for XXXX XXXX on account # XXXX. 

Experian claims they contacted the data furnisher to verify the accuracy of the information with which I disagree. Experian further claims the data furnisher has verified the accuracy of the disputed information and the results summary was sent to me, XX/XX/XXXX, for review. 

Please do not base your decision on a previous investigation. I have attached pertinent information supporting my request! I am enclosing an official statement on company letterhead from XXXX XXXX XXXX dated XX/XX/XXXX indicating account # XXXX has been paid in full and should be removed from my credit profile immediately. Whatever investigation Experian conducted before is null. 

Once again, I challenge the accuracy, compliance and reportability of this listing. I implore you to have Experian validate this information with the original creditor and provide me with copies of any documentation associated with this account. 

I formally request that this information be immediately deleted from the credit file maintained under my Social Security number. Please do not allow Experian to continue reporting this inaccuracy. This is against the law! 

Your prompt attention to this matter is greatly appreciated, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. 
My Money was stolen from my checking account by Coinbase INC. 
PLEASE HELP!! 
Coinbase account : XXXX Phone number linked to my coinbase account. ( XXXX ) XXXX On XX/XX/2021 approximately XXXX I noticed a spike on my coinbase account from approximately {$350.00} to {$2800.00}. ( I wondered where funds came from ) At this time was holding some funds on bitcoin ( BCT ) some were around {$200.00}. And some funds on Wrapped Bitcoin ( WBTC ) approximately {$150.00}. Total invested little over {$350.00}. 
I started searching where funds came to my coinbase portfolio account from, And I discovered that funds came out of my personal checking account It was 4 different withdrawals 3 times from my debit card and one time directly from my checking account. 
Debit Card : {$420.00} + {$1400.00} + {$2200.00} Total of {$4100.00} and and then {$3000.00} form checking account TOTAL OF {$7100.00} Pus about {$350.00} funds from bitcoin, So total {$7400.00}. 
I don't understand how it can happen when I have to do 2 times verification to do any type of transactions, First I have to receive 6 digit code to my text on my cell phone and second time I have to use Authy 6 digit code which is changing every 30 seconds.

All funds were taken out of my coinbase account to The unknown accounts. There are a lot more small details.

At the end my bank account was overdraft for {$330.00} which at the end I had to come up for this amount to cover up overdraft. 
On XX/XX/2021 I tried to contact COINBASE with very confusing automatic questions, most of them not related to my case. So coinbase blocked my account after I made a report over the phone and my PC to through automatic answering questions. 
Then I could only see what was going on on my coinbase account but it was blocked to perform any type of transaction. 
Multi billion dollar Coinbase corporation does not have any kind of customer service like phone or life chat. They don't respond on my e mails or requests on my fraud status through automatic system on there help website, I wrote probably over 70 e mails, letters,, and so far i did not have any respond accept an original respond to my email that they will investigate my request, so far i have nothing from coinbase. 
I did some research on coinbase fraud and there are 1000 's of complaints about that coinbase ripping off customers and simply stealing customers money. 
Coinbase simply stole my money. 
At the end I am out of {$7400.00} The whole thing is nothing but a Nerve Wracking, I don't know where to start. 
Somebody PLEASE HELP ME!! 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This compliant is submitted XX/XX/XXXX ; Over one year since I took actionable remedies with Equifax to remove a hard inquiry that was committed through identity theft. Over the course of XXXX I attempted to contact Equifax via website, on the phone, and through certified mail no less than six times. In the course of several hours on the phone with representatives from Equifax, they had no record of my complaints, paperwork ( including a police report and notification from XXXXXXXX XXXX that the inquiry was fraud ). 
I have no confidence that Equifax has any intention of taking appropriate action and removing the hard inquiry made on XX/XX/XXXX. I have spoken to multiple representatives who seem confused regarding my dispute filings, cant read the credit report, interpret misinformation on my credit report, and have issued dispute confirmation numbers but never filed the disputes or filed them improperly. I request assistance as this gross negligence has negatively impacted my credit score. As a victim of identity theft who has completed all necessary steps and had to go above and beyond in order to attempt to rectify a situation that was caused through a crime, I implore your organization to publicize this complaint as well as assist in proactive efforts to restore my credit report. 
XXXX XXXX aware of Identity Theft. XXXX XXXX XXXX ( XXXX XXXX ). Spoke with XXXX. He closed the fraudulent account immediately, conducted an investigation and stated that I was liable for {$0.00}. 
Dates of Contact to Equifax : XX/XX/XXXX ( phone ), Certified Mail to Equifax XX/XX/XXXX, XX/XX/XXXX ( phone ), XXXX XXXX ( phone ). Do not have the number of website attempts. Continually received an error message that I would have to contact them by phone ( but was never connected to anyone during those times ). 
Spoke with XXXX from Equifax on XXXX XXXX. He said that this would take 30 days and I would receive results via email. On XXXX XXXX received an email that the investigation had been completed and to call. The representatives told me there were no hard inquiries on my credit reportthen 20 minutes later was told that no dispute had been filed. They told me that the last time I called I disputed my employment title ( which I did not ). 
Police Report Filed XXXX XXXX with Officer XXXX XXXX # XXXX Case # XXXX XXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto Finance does not operate competently. Repeatedly they record false bank check amounts. I can not access on their website my account. When I call and issue a complaint they do not reply competency or try to resolve this problem. 
TD AUTO FINANCE. act # XXXX my check recorded incorrectly : # XXXX. Amount posted as written {$790.00} Amount incorrectly listed : {$390.00} Despite repeated requests to correct, no action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Santander Consumer is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on my credit file. I was under the impression this debt was being paid off but they were applying it to another account? My insurance was supposed to be taking care of it but because they kept delaying the process I decided to do it on my own. However, they never applied a single payment to the account I needed it to go to! I ended up finally being able to settle the account and they told me they would be removing the account from credit. However, I received a letter stating that the account would just report as paid. This is not what we agreed to and they must hold up their end of the negotiation. I am aware that the company has the ability to report his account to the bureaus as they deem necessary. Santander has the ability to remove any accounts since they are the furnisher. I have settled the debt with you and am now asking for a deletion letter to provide to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I have repeatedly asked the credit bureau to verify information on a report. they have refused to verify the information provided by XXXX XXXX XXXX. They have listed the item of verified and refused to say how they verified. I have talked to the original vendor and even they agree the information is not correct. they have failed to follow the rules and verify the account. I have even hired a law firm to send them letters and they have not responded.

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 2021-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I've been contacting loan servicing mom loans for almost a year now submitted documents they are for they said they didn't get them I fax them mail I know my mom had insurance on the house that if anything happen to her on my father that it would be paid off and these people are fighting me them loan is in my mom 's name and a half the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

The creditor has and is reporting my credit history inaccurately.

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623.

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ).

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.

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 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, Shellpoint Mortgage Servicing mailed a notice of Mortgage Payment Change of {$860.00}. Since this notification of mortgage payment change, Shellpoint has sent monthly mortgage statements showing the following balance to be paid for each month : 1. XX/XX/XXXX ( {$1300.00} ), 2. XX/XX/XXXX ( {$1300.00} ) 3. XX/XX/XXXX XXXX {$1300.00} ) 4. XX/XX/XXXX ( {$1300.00} ) 5. XX/XX/XXXX ( {$1300.00} ) 6. XX/XX/XXXX ( {$1300.00} ) 7. XX/XX/XXXX ( {$1300.00} ) 8. XX/XX/XXXX ( {$1300.00} ) 9. XX/XX/XXXX ( {$1300.00} ) XXXX. XX/XX/XXXX ( {$1400.00} ) 11. XX/XX/XXXX ( {$1400.00} ) 12. XX/XX/XXXX ( {$1500.00} ) 13. XX/XX/XXXX ( {$930.00} ) I have requested from Shellpoint a detailed explanation for the additional charges showing as overdue payment. Shellpoint has made false claims of not receiving monthly payments. After forwarding proof of payments from bank records and requesting payments to be credited to my account. Shellpoint continued to add overdue payments and late fees. On XX/XX/XXXX, I sent a check to Shellpoint for {$1500.00}. As of XX/XX/XXXX, the Shellpoint Monthly mortgage statement still shows an overdue payment of {$310.00} and the {$1500.00} paid on XX/XX/XXXX not properly credited. After two years of disputing bogus charges and lies about not receiving payments Shellpoint sent a refund check in XX/XX/XXXX in the amount of {$1000.00} showing as a surplus with no explanation about what the refund represents.

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