vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hi, I have been informed when I started myForbearance Plan that my credit score will not be affected. This has also beenwritten in your Forbearance Plan that credit scores will not be affected.

The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ).

I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair.

Please, I am looking forward to helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. 
Regards XXXX XXXX LOAN # 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 2021-05-25 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: FL

Complaint narrative:
I recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX  ( XXXX XXXX ) in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} XXXX  XXXX XXXX ( XXXX ) in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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 recently check me credit and realized, Im a victim of identity theft.. I tried reaching out to the companies with no help. I sent in FTC reports along with 605b as I was told to do buy the ftc. The following accounts are fraudulent and needs to be removed XXXX XXXX ( XXXX XXXX XXXX in the amount of {$210.00} XXXX XXXX ( XXXX XXXX $ in the amount of {$1000.00} XXXX  XXXX XXXX XXXX XXXX XXXX in the amount of XXXX Someone fraudulent used my name and personal information to get medical care and a cellular service. 
Ive never done business with any of these companies, Per fcra information on my report must be true and accurate.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experience wont let me remove several companies from my credit report. Many of the transactions were handle already like the XXXX XXXX XXXX. That one was an account that got transferred to XXXX XXXX who then paid the account off. The XXXX charge was unfair because my vehicle had flood damage from hurricane and they still repossessed my car even before the date that they told me they would and this remains on my credit report. Experien refuses to remove it even though XXXX  did. A tropical storm that happened in XXXX caused master debt solutions to remain on my credit profile which is causing me rental issues during pandemic. Experian refuses to remove it even though XXXX did. I am sick of making pointless disputes when experian seems to constantly contribute to a system that attempts to keep XXXX Americans in debt. I am getting so sick of their ability to cause me setbacks

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 2021-05-25 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: CITIBANK, N.A.
State: KY

Complaint narrative:
I spoke to a representative for Citibank in XX/XX/2021 for any relief options available for both of my exceedingly delinquent credit card accounts ( Citi XXXX credit card ending in XXXX and Citi XXXX ending in XXXX ) due to Covid-19 unemployment. The representative offered a payment plan and with that payment plan, my accounts would be what he referred to as " re-aged '' after 3 consecutive monthly payments, after which my accounts would be reported as current. With a small sigh of relief, I accepted the payment plan for both of my only two Citi credit cards. After seeing my credit score drop to an incredible XXXX, on XX/XX/2021, I called to check when I could expect my accounts to be re-aged and brought current. I was promptly informed that my accounts were not in a re-aging program and that I was provided misinformation for my payment plan. Certain there was a mistake, I called back the next day and requested to speak with a supervisor. I was connected to the " escalated info team '' and was given the same answer. I then requested that the 6 delinquent payments that had been reported to my credit since XXXX be removed due to the misinformation I received when I accepted the payment plan. I was declined my request. I would have managed my finances much differently, to pay the lesser delinquent balance so as to not have 2 delinquent payments reported per month, as well as made substantially higher payments.

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 2021-05-25 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 am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase XXXX  c/o XXXX  and I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize and past the statue of limitations in the state of Texas. 

LVNV has NOT properly followed legal procedures prior to initiating a lawsuit against an individual nor have they validated the debt ; therefore, the complaint should be dismissed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
We had an account that was set up on automatic payment but unbeknown to us the company did maintenance internally on their systems and it deleted out automatic payment setup. By the time we realized that a payment hadn't gone thru and made the payment they reported us as 30 day late on our credit reports. This is extremely detrimental to our goals and not representative of the actual situation. We have tried disputing the late payment with the credit bureaus but haven't had success. Please assist us in getting the late payment removed from our credit reports with the three credit bureaus as this was not a late payment that was our fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I reported a lost card they said it would be close and I would receive a new card well while all that is right they never closed my lost card account and sont got my funds from the card and I dispute it and they never gave me my provisional credit like it stated I would receive if they were not done in ten business days

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 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.

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 2021-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Last year, around XXXX, my monthly pay was {$3600.00} I signed a paper to refinance and I agree all information about the new refinance and new payment, being {$2800.00}, but later they called me to inform me that I couldn't refinance because I was in the COVID program for five months. They also told me that when I had to start paying my mortgage for three straight months, they were going to be able to refinance it. However, they lied to me about this. No one calls me or writes me back about this situation. I was reading an article about California 's laws that they could do me a loan modification, but they don't respond to the emails I keep sending them. I was thinking about doing a complain because I don't have enough money saved to pay the {$3600.00}, now that all of my salary is for the mortgage. The company is Freedom Mortgage.

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 2021-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lending Club Corp
State: CA

Complaint narrative:
XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the Lending Club loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially. 

Companies that may have purchased Lending Club loans are XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs XXXX Account XXXX XXXX .... continues to appears on my credit report after I have provided the Credit reporting company ( XXXX ) thst this particular account is fraud and not mine. I've submitted police reports stating the error and I've threaten them with a lawsuit and its still showing as verified account. I've also sent this information to Goldman Sachs as well. They have NEVER investigated the issue after showing proof. I'm not sure why I keep getting letters that are threaten intent. These tactics are illegal and these companies are getting away with it. I want this to STOP> I need to request this old account to be removed from my credit file immediately before I approach the social media and new outlets as I'm being taken advantage because I'm a person of XXXX. 

I will claim XXXX discrimanation in a lawsuit. Thank you l!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
We paid our mortgage and they put the money into our principal instead of applying it to the mortgage payment. We have called them and they keep saying they will fix and still havent. We keep getting letters stating we missed a payment seems only way to fix this is to make another payment which we cant do at the moment and dont think we should have to since we already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I deposited {$1000.00} into my Bitcoin Vault on Coinbase on XX/XX/2021 at XXXX AM using my XXXX Bank Account. The status of the deposit was instantly marked completed on this deposit details, but I was required to wait 7 days for my money to be used, traded for other cryptocurrency or sold, which I wasn't happy about but accepted it. During that 7 days, obviously the price had fluctuated. Unfortunately for me, it fluctuated downwards and I lost just over {$100.00}. After the 7 days hold period, and the funds were marked as " available '', I tried moving my funds from my vault account into my regular Bitcoin wallet. At this point, you are not able to use the app to move the funds and you have to do it from their website. I go to their website only to be met by, yet again, another verification hold time limit. To move funds from the vault it states you must verify the move using 2 different email addresses. I submitted the transaction to move all of my funds from my vault into my Bitcoin wallet, verified the transaction on the coinbase website itself by clicking the " Approve Withdrawal '' option, then also approved it through my email. Their website says that after 24 hours the funds will be moved and available for use. That was 7 days ago. Their customer service is virtually non existent, as I have tried calling with no response as well as sent over 25 emails to their support department only to be told that a " specialist '' is now handling my issue and that I will receive an update in 4 to 5 days. That also was over 7 days ago. At this point, my funds are at the mercy of coinbase. I am unable to trade and/or move any of my funds out of the vault and can only watch my money go straight out the window. The only info I have been provided is a case number, which is XXXX # XXXX. MY MONEY HAS BEEN STOLEN BY COINBASE. I am literally at my wits end with Coinbase and their lies and lack of customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 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: GA

Complaint narrative:
I had purchased an item from XXXX and financed through XXXX. The item was returned and Bank reported me as 30 days late. I also made a payment and paid in full. After speaking with rep they stated they would remove it but never did.

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 2021-05-25 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I had purchased an item from XXXX and financed through affirm. The item was returned and Bank reported me as 30 days late. I also made a payment and paid in full. After speaking with rep they stated they would remove it but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: GA

Complaint narrative:
I have received a copy of my credit report from XXXX that currently still show inaccurate information and incomplete information listed on my credit report. I have sent 3 request to XXXX for an investigation of the alleged public record listed of bankruptcy. I have received a incomplete and unverified information back from XXXX states that alleged public record verified per data furnisher. XXXX have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: PA

Complaint narrative:
Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items XXXX fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.

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 2021-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation