vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: LA

Complaint narrative:
Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form XXXX4039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all XXXX Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and XXXX. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and XXXX, but TransUnion stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.

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 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: SC

Complaint narrative:
I have advised all debtors that I was unemployed for 7 months in XXXX. Started a new job XX/XX/XXXX with decrease in annual salary for two years and was recently terminated in XX/XX/XXXX. I notified all current debtors and attempted to work out some alternative regarding making payments in which a couple agreed others wanted me to pay debt in full regardless. I just started a new job two weeks ago. I have no idea of who Enhanced Recovery or ERC is I am only aware of the name by the caller ID on my phone. I receive several phone calls daily by ERC or Enhanced Recovery every day Monday to Saturday they call multiple times per day from different numbers and states but leave one voicemail threatening to complete wage garnishment papers under my name and social security number and place a lien on my checking account if I dont contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I went to use my card today and to my surprise my transaction was declined. I immediately contacted Comentity Bank and was placed on hold after giving them my informatio, so that they could look into this matter. After the rep came back, she asked me a few security questions and verified the answers, then proceeded to ask he to provide my drivers license p, social security card, and utility bill. I asked to speak with a supervisor at this point, shortly after being connected I mentioned that I had sent these documents in already and had them notarized. She placed me on hold to check and them came back and mentioned that the hold would be released. I then stated that I would send a copy of my lease agreement to show my new address, I was then told it had to be reviewed and she would follow up in a few hours. A couple hours go by and I received a call from a XXXX at extension XXXX asking me for resubmit all documents, drivers license, social security card and a bank statement. At this point this has been harassment and XXXX discrimination. This is my 3rd time having to submit these documents, they also conducted a hard pull on my file without my authorization or making me aware. I am truly tired of the XXXX discrimination this bank is conducting, it is wrong and needs to known. I have never been late on any payments and have stellar credit. Ive gone thru less scrutiny on much more important matters, this is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. On XXXX, location : XXXX, XXXX XXXX I went to withdraw some money from a XXXX XXXX, I used my Citibank debit card, and the ATMs were out of service, and as I was living someone stole my card and somehow my PIN was compromised during the transaction. As soon as I realized that it was gone I blocked it immediately, but by the time someone had already used it three times. I reported it immediately to Citibank as fraud and that the charges were not authorized by me. They told me they would issued me a new debit card, and will investigate the matter that it can take up to 90 days to resolve. The transactions in question occurred on XXXX. 1st {$810.00} at XXXX. The 2nd {$110.00} at XXXX, both of these transactions occurred at a non-Citibank ATM XXXX . 3rd {$49.00} at XXXX, they gave me credit for this charge while the other two were pending. On a letter dated XX/XX/XXXXthey told me it they were reviewing it. And on a letter dated XXXX they denied me giving credit for the first two, and essentially calling me a liar about how the transactions happened. More than 90 days on XX/XX/XXXXI called them to find out the results of the investigation and he basically told me to see the letter on XXXX. I believe the investigation was bias, they made me wait 90 days, for what reason? I do not know, theyve got the amounts wrong according to my XXXX monthly statement statement, I feel their investigation was a sham, and it shouldnt happen to anyone else.

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 monetary relief
Consumer complaint received 2021-10-11 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: OH

Complaint narrative:
My credit report was accessed by XXXX XXXX which caused my score to drop 28 points with Equifax. XXXX XXXX did an investigation and found that I didn't apply and my social was never used. They have no information to show that I applied. The date of the hard inquiry was XX/XX/21. I informed XXXX XXXX and they sent me and Equifax a letter saying it was an error and asked that all bureaus remove the hard I inquiry. I filed a report with the FTC and with this company previously as well. However, Equifax is now saying that didn't receive any documents from XXXX XXXX asking to remove the inquiry and that XXXX XXXX could have it removed electronically. I have been calling XXXX XXXX and have been put on hold for over an hour to be disconnected over 3 times. I submitted every document required by Equifax and they are still not taking my dispute seriously enough to help and XXXX XXXX is even worse. Please remove this unauthorized hard inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
I have been in and out of the Hospital having XXXX, I make my payments, struggling to make full payments {$290.00}, I have been making partial payments, In XXXX I made {$590.00} payments, was suppose to get a 3 month extension, if I give my credit card information. I still get repeat call 3 times a day, even on Sunday. I am not avoiding phone calls from these people. I made a payment arrangements with this company online still get these repeated phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: CA

Complaint narrative:
Experian is inaccurately reporting bankruptcies on my credit report. I have verified information with XXXX XXXX and forwarded the information from XXXX XXXX to Experian confirming that they are indeed not reporting this information to Experian but Experian has not removed this information from their reporting. This is a common practice for Experian.

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 2021-10-11 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: Social Finance, Inc.
State: NJ

Complaint narrative:
SoFi advertised 3 % cash back for SoFi XXXX members with direct deposit on their app. 
I applied by tapping on the promotion. I am qualified for the promotion according to the Terms and Condition of the promotion. ( Got and used the card before XX/XX/XXXX, have multiple direct deposits from my employer ) After a few transactions I notice it's showing 2 % cash back. 
I reached out to the SoFi credit card phone support, they didn't give me an answer. They said they will open a ticket. I already called them 3 times in a months for followup regarding the ticket they opened. They didn't give me any answers. 

It's been a month, it's still showing 2 % cash back. 

This is false advertisement and it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to AFNI inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I obtained a home loan through XXXX XXXX XXXX XXXX  on XXXX XXXX. I received a notice of service transfer on XX/XX/2021 ( the letter is dated XX/XX/2021 ) that the loan had been transferred to Community Loan Servicing , XXXX effective XXXX. I had made the XX/XX/2021 payment to XXXX XXXX XXXX, and the check cleared my XX/XX/2021. The payment went to the previous servicer since the notice of transfer was not mailed until XX/XX/XXXX at the earliest and received by me XX/XX/XXXX. 

In the letter it states the XXXX payment must be made to the new servicer, which of course is not possible given the letter was mailed so late. On XX/XX/2021 I received a debt collection email from Community Loan Serving XXXX stating my payment has not been made and and is due to Community Loan Servicing. The payment of {$4800.00} had been made to the previous loan servicer. Community Loan Servicing has required that I provide proof of the XXXX payment. My issue is this is their problem as the servicer that bought my mortgage and executed the transfer so poorly that the transfer of service notice was not sent in time for me to direct the payment to them. They did state I have a 60 day grace period for late payment fees and credit reporting, but that if I did not provide this proof, my loan would be delinquent after the 60 days. This is at best nonsensical and very poor servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: PA

Complaint narrative:
I have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.

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 2021-10-11 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: PA

Complaint narrative:
I have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, I sent LVNV a letter certified stating I needed a validation of the debt that they claimed I owed them. They claimed that I owed them money through the original creditor of XXXX  XXXX XXXX. LVNV funding has been reporting that the account in question is a open account. They have failed to provide me with a list of items that I requested they send back to me : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor Prove the statue of limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service Please help me resolve this matter as it hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reached out to the bureaus about the numerous violations that have been furnished on my consumers report. The bureaus are using unlawful tactics to obtain my private information. My consumer rights have been violated an the credit bureaus need to be handle accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services LLC is attempting to collect a medical debt. I have not signed a medical release of information. The hospital sold my information to this agency that I was unaware of, and is in violation of the hippa law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
Coinbase will not close my account and delete my login info. I have followed all the procedures that they have told me to follow and my account remains active. I am still able to login. My personal info remains on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXXI mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE 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 2021-10-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE 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 non-monetary relief
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Trying to sell house and payoff mortgage. Having difficulty in obtaining payoff amount from loan servicer, Fay Servicing. They have used delaying tactics in providing, asking for multiple documents and extended time to respond to request. I am executor of estate, Va. Court qualified, of the original borrower. Fay initially ignored request from law firm handling the closing. The initial request was started in XXXX with a requested closing date of XX/XX/2021 which Fay did not honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On the XXXX I received a notice from coinbase saying my bank had reversed a transaction and that I needed to pay them. All ability to send or receive crypto was halted. I confirmed with my bank that no such transaction occurred, I also provided the bank statement to Coinbase. There is no such transaction in my coinbase account, the only mention is the banner across the top of my accounts page and emails stating such from coinbase support. I attempted multiple times to prove that no such transaction occurred with bank statement, image of most recent transactions and a request of proof from Coinbase. 
These facts do not support their claim, 1. no such transaction in my statement 2.no such transaction in my coinbase account XXXX. I mentioned that indeed on their end when I tried to make a purchase of a XXXX dollars it failed due to their side saying my bank XXXX canceled the transaction due to insufficient funds. I then attempted a lesser amount after confirming on the XXXX that I had sufficient funds. 
4. I was charged {$29.00} dollars by Coinbase for returns which were reversed when the bank sided with me on the fact there wasn't a reversal due to insufficient funds 5. I was able that same day to successfully conduct a transaction in the amount of {$780.00} on my ledger wallet account 6. After showing all this today I received an email stating they were having their account department look into it. 

With all this provided and an email from Coinbase making me aware, an investigation was finally being conducted, they went ahead and liquidated my assets later today. 
My complaint is they have provided no proof of the transaction, their very account does not show this and they violated policy for handling debt, by liquidating my assets while an investigation is being conducted.

Company response to consumer: Closed with explanation