vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
IM TRYING TO OBTAIN A LOAN MODIFICATION WITH SLS. 

UNDER THE CARES ACT XXXX AND RESPA, REGULATIONS ACT OF XXXX  XXXX  AND XXXX  THERE ARE SEVERAL VIOLTIONS I FEEL HAVE BEEN MADE AGAINST ME. I WAS NOT TOLD I HAD A SECOND MORTGAGE I RECIEVED NOTHING FROM XXXX TO XXXX. 
WITH GETTING SICK WITH XXXX  AND MY WIFES LAYOFF, OUR SITUATION IS EVEN WORSE. I FEEL SLS SHOULD PROVIDE A LOAN MODIFICATION UP TO 40 YEARS AMORTIZED AND DEFERMENT WHERE I AM ABLE TO PAY IN A TIMELY MATTER.

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 2021-06-09 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: DE

Complaint narrative:
There are several inquires reporting on my credit profile that are fraudulent and does not belong to me. Below are the fraudulent accounts : TransUnion : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2021-06-09 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC
State: PA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Early on XXXX XXXX I received a text from Coinbase that my password had been changed, so I changed it agan to enter my account.

I tried contacting customer service and of course its automated and I couldnt make any headway with Coinbase. I was given a sort of reference number for my complaint and was told I would be contacted. I went to my bank account and I come to find out whoever hacked into my Coinbase account was trying to empty my personal bank account. I immediately called my bank and froze the accounts.

I was able to stop the theft at my personal account, but as far as my Coinbase account Ive had no progress. I had invested amount of {$10000.00} and had a value of about {$18000.00} at the time of the theft. Ive been reading about other Coinbase customers with the exact same problem. Many of those victims recommended I come here and also the FBI to file a complaint. Im in the process of hiring a lawyer. I would like some advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hello, i have been dealing with credit Issues for the past Month, i have called all 3 credit Bureaus, call creditors, file a police report, put a fraud alert on my credit profile and still inaccurate and accounts and inquires are continue have been added to my credit profile. XXXX, EXPERIAN XXXX, have receive police reports, everything that was require i have sent. i have read the law and very familiar with the rights i have, before i proceed with WITH LITAGTION and SEEKING RELIEF AND MONTETARY DAMAGS UNDER FCRA SECTION 616 AND SECTION 617 i want to file a complaint with you CFPB ... 


EXPERIAN THESE INQUIRIES WAS NOT AUTHORIZE BY ME ... 
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 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 2021-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XXXX ALLY FINANCIAL ) at ( XXXX XXXX XXXX # XXXX XXXX, MI XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
XXXX notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the debt.. XXXX made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that ERC has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with XXXX? ERC, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Hi, I applied for Chase-XXXX credit card two years ago. The enrollment benefit was XXXX XXXX XXXX after {$500.00} spending in the first three months. However, I never received the stars in my XXXX account. 

I firstly call XXXX first and they told me that I should talk to Chase to resolve the issue. Then I contact Chase several times and every time I had to talk to the robot for a long time before I could access the agent. Every time the agents told me that I am qualified for the stars and they would investigate and give me the stars, but they never showed up again, not even a mail. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.

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 2021-06-09 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: MS

Complaint narrative:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: MS

Complaint narrative:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with Experian, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.

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 2021-06-09 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Do I owe this debt to you or to the original creditor? 

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commercial Recovery Systems
State: CA

Complaint narrative:
Credit Recovery Systems, located in XXXX XXXX, NY used constant abusive language towards me, telling me they were going to sue me and that I would be arrested. 

After telling him I would be getting my husband involved, he mentioned, Your husband will keep his mouth shut after today. Very strange behavior from a collection agency. 

Also, one of the men working there, ( XXXX ), continued lying about who he actually was. He claimed his name was XXXX, then XXXX XXXX. After asking XXXX to speak with someone else because he was very rude, he transferred me to XXXX XXXX, who was himself.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-09 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: CA

Complaint narrative:
On XX/XX/2021, I wrote a letter to the XXXX XXXX XXXX asking them to provide proof ( showing something with my signature ) that I have an account with them. I never received a response. On XX/XX/2021, I sent TransUnion a letter disputing this matter stating that it has been well over 60 days with no response, along with the letter that I mailed to XXXX XXXX XXXX. I asked them to delete this negative inaccurate information and I have not received a response in this matter.

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 2021-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you because I had reached out to XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.

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 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX- Received an alert from XXXX I C System Inc account added for unpaid XXXX  debt XXXX - Called I C System Inc to get more detail on the debt as this debt was in collections in 2019 with another agency and was settled and removed from my credit report. 

The rep for I C System confirmed that correspondence was mailed to the wrong address. I asked the rep to removed this from my credit report as I have 30 days to reply to I C System regarding the debt. The rep refused to move this from credit report. I asked rep when would correspondence be mailed to the correct address - the rep could NOT advise me on the 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 2021-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX was taken out of my account Fraud I never lost my card and nobody has my number So Im assuming it was a hacker So Wells Fargo bank offered me fraud protection When I signed up I submitted a claims report That got denied I assume because its a large amount There reason for denying is because I logged in to my account and didnt catch it the first time They never flagged my account or asked if these purchases were made by me The activity on my account was so ridiculous Its hard to believe they didnt catch it It was with 3 websites Money was being drained for about 3 weeks Im asking myself isnt that the banks job to protect my money? 

They closed my claim And told me tuff luck

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 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a mailer from US Bank that included some checks to be used for Balance Transfers. Upon further inspection I noticed that the checks contained no security features whatsoever. I took then into my nearest US Bank branch and the confiscated them for having no security features. I then called the corporate office and they told me it is common practice to mail out checks without any security features on them. I told them to stop sending these out. Then today I receive another mailer with the same substandard checks. By security features, I am referring to features on checks to minimize fraudulent use or forgery of checks, such as microprint, security seal, heat-sensitive ink, and writing only visible when held up to the light. The checks the bank is continuing to send me have none of these features.

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 2021-06-09 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: FL

Complaint narrative:
I am writing to you because I had reached out to Transunion and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.

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