vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : AMSHER COLLECTION SERV # XXXX To Whom it may concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts arenon-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Franklin Collection Service has listed a balance of {$220.00} from XXXX as an original creditor on my credit reports. I have mailed Franklin Collection Services certified letters regarding this collection. This negative tradeline is currently on my XXXX and XXXX credit reports. Franklin Collection Services has not responded and has not contacted XXXX and XXXX to have this collection removed from my credit reports. 

I am asking for assistance in this matter of resolving this problem. Attached are my letters and certified receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: WA

Complaint narrative:
Experian boost has been a nightmare, ive had nothing but harassment from experian boost, and recently I receive very harrasing emails claiming no payme to have been reported and they will remove accounts, this is so far from the truth, I exceptional payment history never missing a payment or late, I pay 5 or six times a month on all my accounts, last year they completely erased a valid exceptional account from my credit record I had to fight 90 days to get it put back, they have intentionally messed with my credit score taking away 19 points and giving me 17 in the same day im tired of it I have spoke to my attorney, its all documented, if it does not stop I will file a lawsuit, this is federal and taken seriously, ive enlisted one email of hundred that I have of this harassment, I have all documented, and prove of all payments 5 6 payments a month if needed.

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 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX. My property address is XXXX XXXX XXXX XXXX NY XXXX Before Pandamic, Everything was going fine until the Tenants stop paying rent from XX/XX/2020, I have to go towards Forbearance plane which my mortgage company ( Shellpoint MTG ) was offering.I was in continuous negotiations with them and they left my house without paying me anything. I started making payments to mortgage from my pocket {$2500.00} where actual payment was {$3300.00} a month I have not able to work more hours yet and when i tried to talk to them about Loan Modification, The Representative named XXXX is telling me that they cant do anything about it And i have to pay {$3500.00} now and i am not qualified for ( Loan Modification ) company https : //www.shellpointmortgageservicing.com/ # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance is the company that I pay for an Auto Loan and the company is reducing my loan {$250.00} when I am paying {$320.00} so that I pay for the car longer also during the pandemic I had some trouble on one month because I did not have work and the company did not give me forgiveness for the month during the pandemic and did take me out of good standing and did report me late up until today 's date.

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 2021-05-15 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. SYNCB/CC on XX/XX/XXXX XXXX Reported Identity Theft ) 2. SYNCB/CC on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: OH

Complaint narrative:
I sent certified letters to Experian, XXXX and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX XXXX, XXXX CARD AND 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 2021-05-15 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
State: TX

Complaint narrative:
PayPal close my account for not reason. 
They said suspicious activity but i do not made nothing wrong. 
i check all my activity and is not fraud or chargeback in my account. 
i think was a mistake. 
i try to use my account for buy online or send payment to my friend but has been impossible. 
i am waiting for PayPal more than 180 days for get access to my account and is being unsuccessful. 

My email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/2021 : XXXX PST Reference Code : XXXX 1 ) I converted {$420.00} from my ETH wallet to XXXX of XXXX XXXX $ XXXXstock ( {$77.00} above price - guaranteed profit ) What came next was nothing less than shocking. As Im looking at my receipt, the numbers changed. 

2 ) {$420.00} converted into XXXX of XXXX ( {$12.00} above stock XXXX I then get my emailed receipt of the transaction, which has even different information. 

3 ) {$380.00} converted into XXXX worth of XXXX. ( With no mention of price of stock ) 4 ) I go back to Coinbase app, and the receipt of the transaction changed yet again. 
{$240.00} converted into XXXX of XXXX stock @ $ XXXX/stock. ( {$1.00} above price? ) With every new receipt that popped up, my profit ratio shrank. All have the same date, time, and reference #. 
It can not be legal for Coinbase to tamper, alter, and ultimately steal money like this can they? 
Also XXXX you can do your own research on XXXX and see the thousands of XXXX pages dedicated to 2 times CB conveniently at the same time as Coinbase market dipped further than ever, They would NOT allow me/thousands of others to make any purchases, only sales. ( And then wouldnt allow us to sell when the market spikes but allows purchases ) The excuse that pops up is insufficient funds. This is false. The random issue only lasts until the market is back where I made my original investment, usually at a loss. I did this to somebody Id be in jail. How can they keep getting away with transparently controlling the market, stealing our money, and ALTERING TRANSACTION RECEIPTS!?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX  - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: OH

Complaint narrative:
I sent certified letters to XXXX, XXXX  and Transunion on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND 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 2021-05-15 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:
I sent certified letters to XXXX, Equifax and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX DATE OF BIRTH : XX/XX/1984 DRIVERS LICENSE : XXXX To whom it may concern : I recently ONLY filed an an inquiry with, XXXX XXXX XXXX XXXX. 

Immediately they ran my credit without consulting me. 

This is unacceptable. 

I have corresponded with several loan specialists and it is to my understanding that until a negotiated loan amount has been accepted by both parties then a hard credit pull can be made. 

I would like this item, the credit check, from XXXX removed from my credit report. 

Please contact me at your earlier convenience. 



XXXX XXXX XXXX III EMAIL : XXXX CELL : ( 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 2021-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: NH

Complaint narrative:
I have been having issues now Earnest Student Loans now for several months. Starting XX/XX/2021 as my emails show, I contacted Earnest about canceling the {$7000.00} biweekly payment that I did initially set up/schedule several months prior. However, my financial situation changed, and therefore I wanted this canceled. I have numerous e-mails from XXXX stating that this has been taken care of, but unfortunately, on 4 separate occasions, they ATTEMPTED to take this out of my account. 1 time they were successful ( despite my being told that this was remedied, and set at {$2000.00} biweekly, per my request ) in taking this money out, leading to insufficient funds fees from my bank ; these were ultimately refunded by Earnest. I also recently ( XX/XX/XXXX ) was forced to make a {$30.00} stop payment against any future withdrawals, as yet again XXXX XXXX at XXXX ), well after the servicing manager confirmed with XXXX that {$7000.00} would not be taken from my account, it was still set to take that money from me. And, I was told in that same e-mail/sentence, that {$2000.00} would be taken out biweekly, beginning XXXX ( but this didn't happen! ). So, now I'm paying more interest, because yet again Earnest can't figure this out. There were also exactly 14 days where I had {$7000.00} taken out of my account ( unlawfully ) by Earnest, despite my repeated attempts to stop this ( and confirmation by Earnest that it was stopped/would NOT happen ). I did not receive interest in my bank account ( 3 % ), and did not receive a reduction in interest from Earnest ; they simply held this money for 14 days. I also have not received another {$15.00} in insuffiicient funds fees " return '' from Earnest that this caused ( they refunded the initial one ). 

I have spent well over 6 hours on the phone with Earnest, e-mailing them, keeping close track of my account, talking to my bank, etc, dealing with this. I asked Earnest to credit me the lost interest on the {$7000.00} for 14 days, but they said regulations prevented them from doing this. But how were they " allowed '' ( against my well-documented will! ) to take money from me without my consent, and in fact my direct lack of consent??!! No regulations at play there ; they simply did what they wanted, but then when the little consumer asked them to make things right, they boldly started talking about regulations! But no regulations were ever mentioned regarding protected the little consumer from being taken advantage of, as they clearly did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: NJ

Complaint narrative:
I noticed two accounts that are not mine and invalid from XXXX for {$3100.00} & another one from XXXX for {$2000.00}

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