vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been dealing with Nordstrom with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.

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

Complaint narrative:
XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX  is Reporting XXXX as my Credit Limit for which isnt True

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 2021-02-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX is Reporting XXXX as my Credit Limit for which isnt True

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

Complaint narrative:
XXXX is not Reporting my Credit Limit, Credit Limit is {$4400.00}, XXXX is Reporting XXXX as my Credit Limit for which isnt True

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 2021-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with XXXX with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.

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

Complaint narrative:
I have been dealing with XXXX with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit 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 2021-02-02 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Called EXPERIAN various times to complain about mortgage lender not being able to pull experian scores. Was told there is no block on my account and all the information given was correct. Its very frustrating that Im in limbo with tryna move forward and experian cant figure out whats going on with their score model ...

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 2021-02-02 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: NY

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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

Complaint narrative:
Transunion has refused to supply proof of investigation of a fraudulent account XXXX XXXX services Acct # XXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Transunion on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Transunion is required to supply proof and method of their investigation. Transunion has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach our before suing under section 616 Transunion also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Transunion has again used another stall tactic in order to circumvent the law. Transunion has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by Transunion to willfully break the law. Transunion has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that Tranunion send this document from their address showing proof that Transunion has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. Transunion actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.

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 2021-02-02 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Service improperly assumed my loan from XXXX and failed to comply with a XXXX agreement. This resulted in overcharged escrow. After of several months of dispute, SMS corrected the issue and worked with credit bureaus to correct my mortgage payment history. However, they added an invalid derogatory remark in a prior month with XXXX only, after the case hade been settled. I believe this was retaliatory action against me. Furthermore, they know I am trying to refinance as I have stated it, amd they know this remark impacts soft credit checks. This affecting my ability to obtain best refinance rates and will result in financial disadvantage if not corrected immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: IL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
National Credit adjusters has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written National Credit adjusters on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. National Credit adjusters has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section 616 National Credit adjusters also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and National Credit adjusters has again used another stall tactic in order to circumvent the law. National Credit adjusters has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by National Credit adjusters to willfully break the law. National Credit adjusters has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that National Credit adjusters send this document from their address showing proof that National Credit adjusters has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. National Credit adjusters actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
NCB Management services has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written NCB Management services on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. NCB Management services has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section NCB Management services also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true NCB Management services has again used another stall tactic in order to circumvent the law. XXXX XXXX XXXX has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tact NCB Management services XXXX XXXX XXXX has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that NCB Management services send this document from their address showing proof NCB Management services has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information NCB Management services actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as to assume it has to be. I have not been able to get help from them for months but i just remembered I could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

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

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My Problem is with KIA Motor Finance. I am emailed before each payment is taken out of my checking account. The XXXX payment was about {$45.00} more than the contract stated payment of {$380.00} per month. Then after I called them no one could tell me why on my first six conversations, so I informed my bank to not allow the payment be taken out of my checking account. Then I followed up even before the payment was due and spent another 3 hours on the phone trying to find out why the payment was higher and finally after six more conversations they told me that due the the change of state ( I bought the car in South Carolina and then had it retitled in Florida ) the sales tax amount changed and so does my payment. I said by over {$40.00}! So by now I just wanted to know what my payment would be and they could not give me a straight answer because they had put a {$15.00} NSF penalty due to my stop payment through my bank. Now they have given my a payment amount of {$400.00} but they want to charge me {$7.00} to take a payment over the phone and if I don't pay by XXXX XXXX, 2021 I will not only owe the NSF {$15.00} but also a {$15.00} late fee. This is driving me crazy. I am a XXXX year old senior living on a fixed income and just wanted to know what my payment was. Then I found out that because the state where I bought the car ( South Carolina ) charges the entire sales tax up front and Florida charges month by month that I have to go back to South Carolina tax authority to get a refund and that is not right either. What should I do? I have not made my payment as of XXXX XXXX, 2021. Thanks

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 2021-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received a letter from Pioneer/XXXXXXXX  about a delinquent school loan that was owned by XXXX. 

I recently reached out to XXXX about 2 loans that are being reported on my credit report. 

These loans are being reported as late/delinquent as of XX/XX/XXXX in the amount of {$28000.00} and {$36000.00} with a loan open date of XX/XX/XXXX. 

I received a call from XXXX @ XXXX XXXX on XX/XX/XXXX at XXXX. XXXX stated they received my request for debt validation and proof of legal ownership to collect on a debt. 
XXXX informed me that they only keep statements/documents for up to a year and at this time they dont have any statements or paperwork to send me. 

XXXX informed me that I do not owe them anything and my account has been transferred to Pioneer/XXXX as of XX/XX/XXXX. I informed XXXX that XXXX is still reporting on my credit as of XX/XX/XXXX. XXXX stated that XXXX is no longer reporting and to send him a copy of my Credit Report. I informed him I provided XXXX a copy on my last CFPB complaint. XXXX stated XXXX credit department will handle that and there is no one I could be transferred to in that Department. 

Going back to Pioneer I recently received a letter stating they are trying to collect on a delinquent student loan debt. Pioneer mailed this letter to a old address in XXXX Michigan. The letter contained no Date. The letter stated they are trying to collect on a debt on the Full amount of {$130000.00}. I have no idea why I owe this debt. 
I sent Pioneer a debt validation letter on XX/XX/XXXX informing them I am requesting a detailed statement of this debt and interest I owe a legal standing to collect this debt by showing me : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the debt ; with my ink signature. 

I am very confused to why XXXX is reporting one debt to the Credit bureaus when they informed me they dont have any paperwork to why I owe them a debt but then they are able to validate with the Credit bureaus that I owe them a debt they dont own. 

I believe that XXXX has sold/given my information to Pioneer since they couldnt supply a validation of debt. Pioneer has stated calling me to collect on a delinquent debt that I know nothing about. No one want to provide me with any correct information. 

I am unable to find suitable employment because of this credit blemish. I am unable to obtain credit because of this credit blemish.

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 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I have a Coinbase account that I was conducting transactions with. Coinbase made an unauthorized withdrawal from my checking account by accident and sent me an email indicating their mistake. My account was overdrawn because of this. Because of their mistake, for their own security protocols, they locked my account with thousands of dollars in it. I have sent dozens of emails over the past month since the time I was locked out, with nothing more than an automated response. I have been robbed by a company with no responsibility or care for the people that have made the owner a billionaire. It is illegal what they have done, I want my money back.

Company response to consumer: Closed with monetary relief