vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX I iled a legitimate dispute with Direct Express regarding {$390.00} of fraudulent charges on my card make by eve XXXX. Having never filed a dispute before I made sure followed there dispute process throughout their investagation. I was given a provionsal credit of {$390.00} until they completed their investagation.. upon completing their investagation they determined the was no error made. I received a letter from them them stateing they were reversing the privionsal credit in the amount if {$0.00} when they actually withdrew {$390.00}. My claim was a legitimate claim. I contacted the XXXX  and found countless of people who had experienced the exact situation that I did however their banks honored their disputes and Direct express denied mine. I requested a copy of the documents direct Express used in determining the outcome if my dispute and have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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 have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.

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 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I was served papers for a RECENT debt from XXXX XXXX, ( ie Express Recovery Services ), shortly after disputing it with a credit reporting agency. In order to verify this debt I need the itemization and PROOF that the debt is in fact valid. Many of these debts are too recent for the paperwork to have processed due to the slowing down of IRS paperwork, by the coronavirus. Getting the information is the only way I can properly reply. 

On XXXX, their hours are Monday-Friday and Saturday _XXXX to XXXX XXXX. When I showed up at XXXX on Saturday, I discovered that EXPRESS RECOVERY SERVICES is in the same building as XXXX XXXX XXXX. But XXXX XXXX XXXXXXXX isnt posted on the door anywhere ... I walked around looking for a separate door :,, nothing. Furthermore, when I called because the front desk area wasnt open, I was told that law office of XXXXXXXX XXXX XXXXXXXX was open just on the other side of the door, she had the paperwork, but she wouldnt give me the papers because the receptionist was their client, express recovery services ... and they werent open. 

I was upset about this and am now delayed further as I dont have a car to drive there all the time. Im an unemployed individual living through this pandemic. A lawsuit on recent unresolved debts, currently in dispute, is anything but compassionate and should be a crime. 

I told them this to which I was told everything is moving forward, businesses are still running and the world is moving forward. I am not able to be employed as I am on the CDC list of vulnerable populations right now. But yet here I am, at the ( law office? ) thats suing me, miles from home, outside, begging for proof of a recent debt, during open hours, so I can reply to a summons. Shame on this law office, and Im certain their relationship with express recovery is brushing too close to whats considered legal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TX

Complaint narrative:
XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I made payments to pay off my balance on Amazon card. Synchrony bank has held my payment for over 96 hours after I informed them I have been displaced due to natural disasters affecting my area and needed to purchase medical prescription. I spoke with account manager XXXX, if that is her name. She stated her supervisors name is XXXX. I asked her to give me Department that I could write to file complaints, she said she was unaware of any after working there 3 years. I asked her to contact my bank to verify the payment has left my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible 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 2020-11-23 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:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible 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 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
this company is stating that I owe them money and its on my credit but I do not have a contract with them. This account was also on my ftc report and I've disputed with the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CO

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT AND XXXX DATA BREACH. FOR THE PAST SEVERAL YEARS IVE BEEN HAVING ISSUES BEING AUTHENTICATED OFF AND ON. ANYWAYS I HAD SOME FRAUD ACCOUNTS BLOCKED FROM MY CREDIT REPORT AND IT SOME HOW IS STILL SHOWING UP ON THE LENDERS SIDE BUT NOT ON MY SIDE. I'VE HAD MULTILPLE FILES ISSUES ETC. IVE CALLED OVER 2 9 TIMES THE FRAUD GUY TOLD ME LAUGHING IN DISGUST AND SINCERELY APOLOGIZED. HE ADMITED IT WAS VERY COMPLICATED. BUT THATS NOT MY FAULT. I JUST WANT THIS FIXED ONCE AND FOR ALL IF POSSIBLE AND THESE ARE THE CONFIRMATION NUMBERS AND I HAVE A CASE NUMBER WHICH NO ONE CONTACTED ME BACK WITHIN 72 HRS. NEVER CALLED ME BACK. CASE NUMBER XXXX, XXXX CONFIRMATION BLOCK. I HAVE SENT A COPY OF MY ID AND SOCIAL SECURITY CARD THROUGH THE POSTAL MAIL BY NEXT DAY DELIVERY WHICH YOU SHOULD RECEIVE TODAY BY XXXXXXXX XXXX XXXX XXXX  today. PLEASE SEE ATTACHED LETTER FROM XXXX XXXX XXXX XXXX XXXX PULL IS DIFFERENT FROM MY CREDIT PULL. THANK YOU.

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 2020-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
I just called about the fact that Homebridge keeps messing up my forbearance. I asked for one in XXXX and still had to pay my XXXX house note because I didn't see where it had taken effect online. It took over a month to get my money back. They said I have one month of forbearance on file. I just called this week to start a forbearance again and was told I would get five months. Then I kept getting calls from Homebridge telling me to call in. I call in and the rep tells me that my forbearance ends XXXX and that I have had one from XXXX to XXXX, which is inaccurate. I did not have a forbearance. I did not apply for forbearance until this week. I paid my house note every month from XXXX through XXXX. Please HELP! I have asked for a supervisor to clear this up and am getting that this has to go through loss mitigation. LOSS MITIGATION!!!! There is no loss as I haven't had forbearance a single time yet. They keep messing it up. Is this a scam? I am filing with XXXX and getting legal assistance if necessary. I would like for them to correct this asap.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have tried to contact the bank of America and no one has gotten back with me and they said I have to pay them it is not fair having identity Theft. My Case number is XXXX and do not think I should pay for this since they have insurance against Fraud and this was not my fault. They said it was..

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 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

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 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have requested that they send me a verification of the debt and they insist they have and will not send it. Then they threaten me and do not send me the verification of the debt. They threaten lawsuits and get XXXX  with no resolution. I have never received anything but a bill from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
I was told by XXXX that if my credit score went above XXXX during the process, my interest rate would drop almost a full percentage point. So then I contacted him XX/XX/20 and he said he redid the rate lock, and the rate did not change but I no longer had to pay points to get the 4.25 rate. This was different than when he initially discussed it with me. Then my final disclosure I told them about the error charging me a rate lock extension fee, they said because my other rate expired. I advised it did not expire as it's good for 32 days and it has been less than 30 days. They said they would correct it. At final closing they charged me {$540.00}. realtor told me it doesn't effect title so go ahead and sign and we can talk to lender the next day. So when I tried talking to them they refused to cooperate and kept insisting it was because my other rate expired when I closed on XX/XX/20, my rate had not expired. If it truly expired, then he didn't rerun my rate and lied to me on XX/XX/20. I have all the emails to prove it. I asked them to refund that rate expiring fee they refuse and now refuse to call me back refuse to answer voicemails or texts. They also caused multiple delays in my process taking well over 60 days to finalize because they did not order the appraisal timely and ask for documents several times over and over again when I had already provided them multiple times. They passed me around to about 7 different people in their office. The entire process was a disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I had a XXXX dollar XXXX  investment hacked and stolen from my Coinbase account with no liable responsibility taken from Coinbase on XX/XX/XXXX that I was just made aware of on Thursday XX/XX/XXXX. That investment would be worth over {$4500.00} today. On XX/XX/XXXX, I received a phone call from a mimicked phone number of XXXX  claiming it was XXXX  needing to confirm information on my account due to failed attempts to log in to my account. I had tried logging into my account the day prior and forgot my password so I figured I had frozen my account and they were calling to confirm that their was no suspicious activity. They were sending me text message verifications that were coming up on my phone as texts sent from XXXX. All I did was confirm the text verifications from XXXX. I did not provide any password, social, DOB, etc to these individuals and proceeded to hang up shortly after the call. I had no reason to believe there was anything suspicious going on or anything that could compromise my account given I had not provided essential information that would lead to accessing the account. I was not made aware until XX/XX/XXXX when trying to log back into my account to sell the recently appreciated investment that I, 1. could not log in, and 2. someone with no association to my name made 3 transactions of moving my XXXX out of my account on XX/XX/XXXX. They had an alias name of XXXX XXXX XXXX and the IP address associated to the transactions was XXXX. I do not know how this would be possible given my name was under the title of the account, so there for I should be the only one allowed to make buy/sell/transfer transactions. I received no notification from Coinbase that any activity like this, especially such suspicious activity, was performed. I had no reason to wonder or check my account because I was invested for the long run and waiting for a large spike in value, which finally occurred last week around XX/XX/XXXX which caused me to check. Coinbase takes no responsibility for their lack of security, and will not replace or attempt to recover my stolen funds. I am a recent grad struggling to pay bills, especially during a pandemic, and could really use those funds right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Plus Inc
State: IN

Complaint narrative:
The company that pulls my credit Credit Plus, is still reporting the exact same score from XX/XX/2020 to XX/XX/2020 but XXXX  sent a result with 12 accounts deleted dated XX/XX/2020, so that should have changed something pretty drastically. My credit score is important to me. I really need this update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter finance LLC, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX closed this companies profile due to numerous consumer complaints. Not only has Exeter charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint about a Public Record USBK COURT XXXX FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway. I then contacted XXXX XXXX giving my full name, address, full name and full social security and they do not have a file of me. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

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