vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I sent a validation request on XXXX XXXX, 2021, which was delivered on XXXX XXXX, 2021 to National Credit Adjusters , LLC ( NCA ). This company has " verified '' an alleged debt multiple times in the past few months, so I contacted them directly. It is now XX/XX/XXXX, and I have yet to receive any validation or proof of the alleged debt from NCA. This company is using outdated information to " verify '' the alleged debt, and have not responded to my request within the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have called in numerous of times and have also mailed in each document I have been asked for. There are unauthorized and unverified inquiries on my credit report that I didnt do

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, Equifax, and XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

EQUIFAX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only Inc Via  XXXX XXXX XX/XX/2019 XXXX : XXXX CREDIT/OFF LEASE O XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, XXXX, and Experian and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX Via XXXX XXXX XX/XX/2019 EXPERIAN : XXXX CREDIT/XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX Finance XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a fraudulent charge on my Best Buy credit card statement through Citi for {$2600.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX. I contacted Best Buy fraud department for a couple weeks at phone number XXXX. They recorded the information but no adjustment was made. I got a letter on XX/XX/XXXX saying the matter is being given attention. I then received a letter on XX/XX/XXXX saying that I am responsible for the charge. I did not make this charge. Can you help me with an adjustment of this charge. Best Buy did not help me resolve the issue. My phone number for messages is XXXX Thanks for your help. 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 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
At the beginning of the pandemic, Wells Fargo sent out letters asking if I wanted to take advantage of the forbearance that was in place for customers due to the pandemic. I ignored the letters because I've had poor customer service with Wells Fargo and didn't feel like going through anything that may harm me in the future. With my luck, it usually does. In May more letters were sent out, at that time my household income decreased and my job was shaky so I decided to ask how it worked. The customer service rep I spoke with, assured me that the forbearance would not affect me in any way and that I would not be asked to pay a lump sum once the forbearance was over. She further advised that the balance would go to the back of the loan and wouldn't pay it until I sold the property. With that, I hesitantly accepted the forbearance. After three months WF apparently automatically extended the forbearance without my knowledge. I was a little worried, but I ignored it. I got another call again in XXXX asking if I wanted to extend longer, by then I started paying again. I thought I was out of the forbearance since I started paying again. In XXXX when I tried to refinance my home with another lender, I found out I was still in forbearance. Because of the misinformation and misunderstanding, I wasn't able to take advantage of the low-interest rates being offered. 

I contacted Wells Fargo to find out what my options are at this point and they asked me some questions and sent me an application apparently for a remodification. I called again today XX/XX/XXXX and spoke to 4 different people to find out what my options are for refinancing and each one asked me to tell the same story 4 different times. The last rep tried to help but she obviously did not have the information I needed and tried her best not to do another cold transfer again. I was on hold for about an hour, while she tried to get me the info. She came back with nothing. She then put me on hold and tried to connect me with yet another person, and it seems she hang the call up instead of transferring it. I waited to see if someone would call me back but they didn't. This also affects my chances of buying a new home. 

Oh and by the way, shortly after I took the forbearance they offered, I got a letter saying I was late on my mortgage and my chances of refinancing with them would be affected if I didn't bring my loan current soon. Go figure. 

Customer service really needs to be addressed here.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Account is closed and balance showing on credit is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I got SIM swapped from XXXX. The intruder was able to hack my emails and also get into my Coinbase account. He was able to change my password and also change my 2FA verification settings with XXXX authenticator so I do not have access to the account. That person also made an unauthorized transfer to an unknown digital wallet worth almost {$50000.00} of my LINK tokens. I was able to disable my Coinbase account online since they do not have a live agent you can speak to when you call the customer service number. This is the worst financial company out there. Since that day I have been sending them complaints and emails and filling out incident reports on their support website. All i get is automated replies. My email address on my Coinbase account is XXXX. Please I need help. I do not know how this happened. I do not have access to my account. How can this be legal?? I have been reading that there is a whole lot of people also trying to get communicated with Coinbase and they can not get a hold of anybody. How can this keep happening????? I filed a police report but that is no help either. They do not do anything to help. Nobody seems to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc.
State: MO

Complaint narrative:
Amount stated is incorrect. Not responsible for debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi I have an issue with BB & t I tried to apply for a car online I was trying to get a secure credit card because I need to build credit up by saying that I have to be XXXX or for a secure credit card that is not true there's kids XXXX who has a secure credit card but my bank says that I have to put a minimum deposit down of XXXX dollars but I contact that customer service and they're saying that's not accurate that I can do it without putting it down payment down I try to apply for what they said but they're saying that I have to go in person but if I do that I'm going to get the same result and I really need a answer I really don't know I'm trying to build credit and I'm only 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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONWIDE ACCEPTANCE LLC
State: MO

Complaint narrative:
Credit inquire does not belong to me

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Credit inquire does not belong to me

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 2021-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am enrolled in a program through XXXX XXXX XXXX XXXX XXXX that offers loan repayment grants for health care professionals working in underserved communities. I have a payment of {$15000.00} that has been submitted 3 times to Navient, my loan holder. Each time, Navient has cashed the {$15000.00} check, then stated that it was cashed by an incorrect department, and have returned the check to XXXX XXXX XXXX without crediting my account. This has been going on for 6 months. During that time, Navient is continuing to compound interest payments on a balance that is {$15000.00} higher than it should be because they are REFUSING to process payment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, XXXX, and Transunion have failed to remove the extended fraud alerts to 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 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo open up 3 accounts between XX/XX/XXXX and XX/XX/XXXX without my authorzation and i was charge for all withdrawal overdrawn fees. i have documents for accounts. Me and my grandmother ( co ) on accounts. WE FILED A FORMAL COMPLAINT!! ON XX/XX/XXXX we made a formal complaint with CFPB CASE # XXXX XXXX sent us a letter onXX/XX/XXXX!! XX/XX/XXXX SENT FROM MAIL FOR XXXX XXXX  TO WELLS FARGO. WELLS FARGO SEND US 7 LETTERS SAYING WE DID NOT AUTHORIZED THE ACCOUNTS AND WERE ABLE TO DISCOVER THESE ACCOUNTS APPEARED IN THE RECORDS OF EARLY WARNING SERVICES. THESE LETTERS CAN BE USED AS EVIDENCE OF THIS UPDATE!!! PLEASE ACCEPT OUR APOLOGY FOR ANY IMPACT THIS SITUATION MAY HAVE CAUSED. WELLS FARGO REMEDIATION!!! CFPB PLEASE REVIEW ALL MY FILED COMPLAINTS AGAINST WELL FARGO THE OPENING OF CHECKING AND SAVING ACCOUNTS UNDER MINE AND GRANDMOTHERS NAME AUTHORIZED BY US. MAKE GOOD TO US ON ALL THE CLASS ACTION LAWSUITS THAT WE SHOULD HAVE COLLECT JUST LIKE EVERY OTHER VICTIM COLLECT ON STARTING IN 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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CATHAY BANK
State: NY

Complaint narrative:
I submitted the Mortgage application to Cathay Bank on XX/XX/2020. They asked me to submit all the documents and wait for a month. After pulling my credit from two bureaus ( XXXX, XXXX ), I only agreed to pull credit from one bureau, they did not notify me. Later on, they refused to provide me with a Pre-Approval letter, they refused my application to modify the house price and asked me to pay the Credit Report fee, I did not pay, and finally waited for 2 months and they unreasonably refused my Mortgage application. 
This is the worst Mortgage service I have experienced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: MO

Complaint narrative:
Credit inquire does not belong to me

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Credit inquire does not belong to me

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Credit inquire does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
1 year and 3 months ago I was charged with a {$300.00} medical bill that was supposed to be covered by XXXX XXXX ( XXXX XXXX ). 

I had been receiving harassing calls from Holloway Credit Solutions for about a year ; I had no idea it was for me because I had XXXX credit/debt. 

I tried contacting Holloway Credit Solutions 3 months ago to report that the debt was not mine. I was told that I'm stuck with the bill because XXXX XXXX did not pay my bill on time. The same bill that was forced upon me by XXXX XXXX. 

Also, Holloway Credit Solutions have the incorrect address for me on file for this collection. 

I spoke a week ago with someone at Holloway Credit Solutions ; asking for a written document stating that if I pay {$300.00} they'd delete from my report within 45 days. This was denied to me and now I cant even get the collection that isn't even mine off of my report without risk. they have destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Well, Experian always uses the lowest score cs the other bureaus and Experian is always updating late information. 

One company told me that experian uses scores 2-9 most use the highest score on a scale of 8. This practice I find is highly unconscionable to hard working citizens. Mostly all of the bureaus have been confiscated of our private information in some way shape or form. Yet, experian is the only bureau that will report rental history and updates behind and uses the last lowest score above all the rest. Can anyone look into this and do something about these bureaus reporting incorrect information?

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I paid XXXX XXXX to dispute my negative items on my credit. XXXX gave me advice to report the last two negative items as fraudulent. I took every step with XXXX. They said this is the final step in order for those two negative items to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have several inaccurate inquiries on my credit report that are fraudulent. please look into the matter i spoke with someone who advised me to start here,

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