vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: MI

Complaint narrative:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/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 2022-03-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act states that all the information on a person 's credit report should be a 100 percent accurate, For more than a year now we have been disputing with Experian the accuracy of an account that is been reported on my credit report. I informed this credit bureau that the XXXX XXXX XXXX account that is reporting on my credit report is reporting in accurately. We asked them to delete the account from my credit report due to inaccurate, missing account and payment information. We also asked them to delete XXXX XXXX XXXX from my credit report as they violated my rights under the Fair Credit Reporting Act as they have not provided me with there method of verification proving that this account is reporting accurately on the account and that they did indeed investigate my dispute. The request for there method of verification was received by them on XX/XX/2021 and to this date they have NOT provided me with there method of verification IF THIS CREDIT BUREAU FAILS TO DELETE XXXX XXXXXXXX XXXX FROM MY CREDIT REPORT THEN I WILL FORCED TO TAKE LEGAL ACTION AGAINST THIS CREDIT BUREAU TO RECOVER DAMAGES. 
THIS IS THE FINAL WARNING TO THIS CREDIT BUREAU TO FIX THIS ISSUE. I have a copy of all the credit reports and disputes sent in and the response from the credit bureau. If this account is not deleted from this credit report then i will be forced to take legal action of

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 2022-03-08 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: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX  XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 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 2022-03-08 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Shellpoint Mortgage Servicing is servicing my home mortgage account. I was in a forebearance plan from XX/XX/XXXX, until XX/XX/XXXX due to covid. My forebearance plan was set to end on XX/XX/XXXX, and I reached out to end the forebearance prior to XX/XX/XXXX. They offered to set me up with a Standalone partial claim and sent me a letter ( attached ) stating that my next payment was not due until XX/XX/XXXX if I accepted. I returned the executed agreement to them by XX/XX/XXXX per the agreement. Recently, I checked my credit and it had dropped by almost 100 points. I immediately reached out to Shellpoint and submitted an internal complaint. I received the letter dated XX/XX/XXXX that contradicted the standalone agreement that I had executed with them that clearly states when the next payment is due. I tried to contact the company again and explain and they gave me a generic email to send my issue to but that went unanswered. I was not able to speak with a supervisor, manager, or even somebody in the department that would handle this issue. I am hoping this avenue may work better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have been trying to contact Coinbase about my account since XX/XX/2021. I've called them every few weeks. We've spent hours and hours and submitted XXXX identification. 
They locked my account because I no longer have my old phone number and I've talked to well over 13 people who have no authority to do anything to my account. They promised to escalate my account and no one takes any action. Every time I call it's an hour session w/ a new Account service person where they have to comb thru the history and they will take no action to withdraw my money. The process usually ends when the phone disconnect and I have to call back and start over. There is {$840.00} in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I was a victim of fraud. The card was through XXXX, Citibank. Was turned over to debt collection called XXXX XXXX XXXX XXXX they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!

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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and May have gotten into the hands of the wrong person.

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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased airline tickets on XXXX XXXX XXXX ( XXXX ) ( XXXX, XXXX to XXXX XXXXXXXX, XXXX, round trip ) through XXXX and charged {$4200.00} to my credit card. This amount was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me our flight was cancelled due to Covid-19. The email provided a link to use to apply for a refund of our tickets price. I completed and submitted the refund request on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me I must request my refund from the issuing travel agent. The travel agent has refused to provide any refund or assist us in any way. 
On XX/XX/XXXX, I filed a complaint with Synchrony Bank telling them the airline cancelled the flight and the airline and travel agent both refused to issue a refund for our purchase price. The bank issued a temporary credit to my account in the amount of {$4200.00}. 
On XX/XX/XXXX, the bank reversed the temporary credit to my account based on proof from the travel agent that we purchased the tickets using the credit card. Please note that this was not the reason for the dispute. The bank has completely disregarded the reason for the dispute : the fact that the airline cancelled the flight and no refund was provided. We are asking the bank remove the charge from my account and correct all negative credit reported regarding this transaction to all three credit bureaus, as this is having a negative effect on my credit report. 
Because of this issue, I have closed the credit card account without paying the amount charge by the bank. They have provided negative information to the credit bureaus ever since. 
I ask that the CFPB help me successfully resolve this dispute. The credit card company should not be able to charge me for something I never received, even if I did originally authorize the charge.

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 monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
On XX/XX/2022, I receive a call ( XXXX, caller id ) from Sunrise Credit Services , Inc. stating that I owed XXXX {$110.00}, and they are now responsible for collecting the debt. I believe the number is a false caller ID. This is my first knowledge of the debt. On XX/XX/2022, I receive a call from the same caller ID, XXXX. An automated message describes the company name as Sunrise Credit Services , Inc. ; no address or phone number. A male voice identifies himself as XXXX XXXX, but refuses to provide me the company name, address, or phone number. XXXX XXXX claims that the call is being recorded. The caller then hangs up. 

I believe when I asked XXXX XXXX for his company name, address, and phone number, he had to provide that information to me, and not hang up.

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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I filed a fraud case against a XXXX XXXX XXXX after they attempted to scam my husband and me. Over the phone, a Bank of America rep said they would refund all of the money paid from my checking account ending in XXXX. There were three transactions that Bank of America said they would refund. Amounts were a down payment amount of {$6200.00}, and two additional monthly paid amounts of {$930.00} each. When I received the one refund for {$6200.00}, I moved the funds into another BOA account. Later on, XXXX wrote a rebuttal letter full of untruth about what happened. Bank of America reversed all funds back to XXXX ( including the {$6200.00}, which set my account into a negative balance. I wrote another response letter. This time I sent actual documented proof of the fraud. One day, as I went to check the status of my account, I discovered Bank of America shut down my account. They did so without notice or reason for doing so. Before BOA shut down my account a few deposits from my job were absorbed into the negative balance. I filed a complaint with the FTC a letter concerning XXXX. ( I have the letter as proof ). I waited for the investigation. Still no refund to me. Finally, at the end of last year ( 2021 ), I received a notice that the FTC filed a class action lawsuit against XXXX. The FTC sent me the lawsuit letter with a small check for approx. {$170.00} because I was one of the victims of fraud. I called BOA and reported the class action lawsuit with the hope of having my account restored and money owed refunded. BOA rep agreed that I would get my account restored and my money refunded back to my account. I was instructed to fax a copy of the letter and the check to them. I faxed a copy of the letter and the check to them. After waiting several days for a response or refund, I called BOA. Several times I was hung up on after explaining my situation. On other days when I called, I was switched around back and forth held in a queue for several hours. The last call I made, my call was switched between five different departments for approx. 4 hours. I has to repeat my situation each time including my name and verification process. Very frustrating because I was told I did not have to do this each time I was switched. Anyway, each dept would agreed that I would be given my money back but each dept was confused on how or what should happen next to make this happen. Each department pointed me back and forth in an infinite loop. Today, my account has still not restored and the money owed to me by BOA has not been returned yet.

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 monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.

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 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
When I saw the item appeared on my credit report I called XXXX XXXX to enquire why? I was told that this item was related to a computer that was ordered. The employee at XXXX  XXXX told me the computer was mailed to an address in XXXX XXXX XXXX XXXX XXXX XXXX Florida. I have no affiliation to that address, neither did I order a computer. I called and wrote the creditor repeatedly asking that they remove this item from my credit report and asked them send me proof that this account was opened by me, but they refuse to respond to my request. I did not authorize this account, neither have I ever personally ordered any item from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX  Balance {$20000.00} XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX  Balance Equifax : XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$16000.00} Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm writing because I have attempted to update my personal information with no success.

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