vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have been fighting with this company fair credit and outsourcing since 2019. I have sent police report, and XXXX to XXXX numerous times and this debt is still reporting to my report. I have all receipts that are certified and I am sick of them still reporting to the brueau. I also sent to XXXX the court documents from the courts stating the case was dismissed due to lack of evidence. They need to remove this XXXX from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was manipulated to buy a new coin listed by Coinbase on this Tuesday XX/XX/2021 and Wednesday XX/XX/2021 at very high price and this crypto platform decided to delist it after doing something to make the value drop very low. They are now freezing my fund which is already lost in half. The coin increased 6 folds in a few hours so when it dropped down, many people included me saw it as a dip and bought at high-price. Coinbase allowed us to buy at that price but then delisted it at very low-price within 24 hours! It shouldn't be called or quickly fixed into a " stable coin '' if it wasn't behaved as a stable coin! Coinbase shouldn't let people buy at higher price than its intended " stable value ''. They shouldn't get customers ' money at higher price, print a lot of coins and keep the coins for themselves while customers definitely lose the money. Who would invest on that? The behavior is extremely unusual and signaling a scam scheme. Coinbase also fixed up its chart so it never showed the peak at 6 folds, but I have proof from an independent crypto chart. I am very upset because the coin value was misleading, and this whole time I could use this fund to invest on another coin of interest and earn 4 times profit. But right now, not only my fund is cut in half, it's also frozen and coinbase has no answer on reopening date and compensation. Coinbase has done this sometimes in the past when I traded other coins. I wasn't able to sell my coins when it's at higher price ; by the time I was able to sell, it's already low and I lost much money. However, they let me trade or transfer to a coin that's losing value suddenly ; the result is that I also lost money that way. Their buying price is usually 10 % higher and selling price is 10 % lower so many times I made no profit or just lost ... despite the fact that the coin value increased after I bought it! So far I lost a few thousands with coinbase, but this incident alone is a clear case of abuse and scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I contacted XXXX to inform them that they had information on my credit report that did not belong to me. Someone else 's name, address, jobs, and credit info was on my report. I expressed that I had the same problem with XXXX and they found someone else 's SSN on my report. XXXX pulled it from my report and the problem was solved. TransUnion told me that was not possible and to just dispute everything that was wrong and that was the best way to remove it. I did XXXX times and only a few things were removed, but not the names or jobs or most of the credit info. I contacted them many times explaining that the info did not belong to me but they told me that the info they had was what the companies were reporting to them. I called a few of the companies and none of them had any record of me having contact with them. I tried to get them to send something to TransUnion to let them know but they stated that because they had no record of me it was nothing they could do. Finally I requested someone higher in TransUnion call me and I told them what happened. They told me that I had XXXX SSNs on my report and that they would have the one that did not belong to me removed. This was after XXXX months of me trying to tell them that was the case. They sent me a full credit report and to my astonishment they had removed the wrong XXXX. I confirmed my SSN with the man XXXX times before we got off and it was still wrong. They refuse to remove it and put mine back and told me I had to prove my SSN before they would. They only option they gave me was to send a copy in the mail which I do not feel comfortable doing as I am constantly receiving mail that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My complaint is against SLS mortgage services. I have been trying to get my PMI removed since XXXX 2021. I inquired about it getting removed because my house has now appreciated where my house has at least 20 % equity. The servicer referred my account to a mortgage company that called several times to try and get me to refinance. I told them I was not interested in refinancing but removing PMI. SLS finally agreed to get an appraisal done in XXXX. The appraiser came to the house and appraised it. I followed up for status and Sls has no record of an appraisal but one was completed. This somehow meant I needed to get another one according to them. I refused becausw I didn't want to pay for a second appraisal.This is cost me several months of PMI. Please help me. I have written XXXX  All I want is the mi removed because I qualify and with housing prices where they are there is enough equity to drop the MI.

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 2021-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
They past few month I have received a statement in the mail or online or or by phone communication for the debt. I recently moved and had all my mail forwarded. I also do not have consistent work right now due to some changes in income and a medical condition. The only way I found out I had fell behind was because they reported it on my credit report. I didnt get a call trying to collect the debt or any letters in the mail about the balance like a company normally does.

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 2021-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: i3 Lending, Inc
State: CA

Complaint narrative:
XX/XX/XXXX.We as buyers paid XXXX XXXX XXXX a {$5000.00} points fee by his require because he told us he is a loan broker. But he does not have an active status on NMLS ( NMLS XXXX ). 
Also, the loan did not get through, we need a refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been with AMEX for a year now, and yesterday XX/XX/21 I tried to do a credit limit increase but they declined. This was not the first time I tried to increase my limit. This is my XXXX time attempting to increase my limit. However, when I logged into my account yesterday, I was eligible for a product upgrade from the XXXX XXXX to the XXXX XXXX. Then, when I logged in my account today, I was able to upgrade my card yet again to the XXXX XXXX. Its sickening how I can get a product upgrade XXXX times in less than XXXX hours apart, but cant get a credit limit increase. Not to mention, the credit limit that I was given doesnt match the status of my card level nor does it fit my basic needs anymore. It was fine in the beginning because I was just getting in. Now that I have proven myself, my request should be granted with no issues. What I have asked for is nothing compared to what I know some people have asked for. Honestly, I feel like AMEX is XXXX. Im not the only person who is dealing with this issue. They give you a bunch of excuses as to why they cant do it, instead of looking at the overall picture. If you can upgrade someones product XXXX, then you can give them a simple credit limit increase. Im beyond frustrated and feel like Im being racially profiled. Also, when I asked for my new card to be shipped out in XXXX to XXXX business days, they cant do it. Thats something else that I dont get because when I switched from my AMEX XXXX to my AMEX XXXX, it was definitely done. Its all the rules and regulations for some customer and changes for a certain group of people and that is what this all comes down to. I have other high limit credit cards so I dont want to continue to hear these same excuses. AMEX tells lies when they say they want to build a relationship with their customers. This only applies for the XXXX race. Im sick and tired of this merry-go-round with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
A police report and a XXXX XXXX Theft report was send to the credit bureaus and XXXX XXXX XXXX date XX/XX/XXXX that I'm a victim of identity theft, send letter request to remove the accounts. XXXX XXXX XXXX changed the ( XXXX ) on these accounts. XXXX XXXX XXXX reporting XXXX XXXX XXXX reporting XXXX on record, and for a transaction I dont recognize account : # XXXX for {$900.00} date XX/XX/XXXX. I never made a payment on this paid off account. The company has harass me and oppress me, causing damage to my credit continued attempts to collect debt thats not owed, XXXX XXXX mailed notices and phone calls attempts to collect {$360.00}, not owed that was paid on XX/XX/XXXX showing on the payment history. 
And is still reporting and tampering with the account 's. These are XXXX violations. I never singed anything or had a account with XXXX XXXX XXXX. XXXX XXXX was closed and paid off.

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 2021-11-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was the victim of a scam. I thought I was talking to an associate on social media about doing bitcoin mining. She then put me in contact with someone else on XXXX page name XXXX. I decided to try it and they instructed me to purchase {$3000.00} of bitcoin then had me send to an external wallet that put the funds on this website XXXX. After the funds were supposedly there they started asking me to double my investment amount which led me to thinking it was a scam. I contacted my bank and put in a dispute. I also attempted to try and get them to return my funds but I was advised that Id have to pay {$4000.00} to get the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Received an alert on my credit report XX/XX/2021 for collections. I immediately paid {$31.00} to have all XXXX credit reports pulled. XXXX credit report showed a collection for {$1100.00} by Quality Asset Recovery , LLC. I was not familiar with the name of that company, so I started a dispute, which indicated the original creditor, XXXX XXXX XXXX, XXXX I've had XXXX  services completed by XXXX XXXX XXXX XXXX XXXX in XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was pre authorized ( took XXXX weeks ) prior to my visit. XXXX 's are covered service under the health insurance plan. Upon further investigation on XX/XX/2021, I reviewed my online Insurance EOB statments and found that XXXX XXXX XXXX never submitted a claim against my insurance. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have no documents to attach except a screen shot from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2021 American Express had welcome bonus of XXXX XXXX XXXX Bonus Points for getting a new card. Required to spend {$1000.00} in XXXX months. I applied online. 

I charged over {$1000.00} in the first XXXX months. 
XX/XX/2021 Called American Express. They said that I did not qualify and that when asking for card there was a " pop-up '' saying that I did not qualify. 

Never. Why would I ask for the card if I was not going to get the bonus offer. 

The supervisor, XXXX said that I did not qualify, but she did not know why. She opened a " case '', but I never heard any more. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. That means Equifax has NOT complied with the XXXX XXXX XXXX  Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My mortgage transferred from XXXX Bank XXXX Huntington Bank. I have not missed a payment and Huntington Bank is reporting that I am XXXX or XXXX payments behind. I had called to talk with someone who told me they would have it corrected. It has been almost 60 days and I continue to receive notices that my mortgage is past due. I recently applied for a small personal loan and was declined. I believe it is due to Huntington Bank not having their records corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I attempted to retrieve my credit report from XXXX and was unable to do so. the company is not giving me my annual free report.

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 2021-11-22 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I attempted to retrieve my credit report from XXXX and was unable to do so. the company is not giving me my annual free report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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:
Greetings : It's been over 20 years of negative reporting on my credit report. 
The problem concerning this issue has to do with Experian, which will not fix this problem. 

I'd requested information about the person that's using my name somehow and has a car in my name. I do not own a car and never have. Experian was warned not to give nor share any information about my account using my SSN at anytime. They are not authorize to do so! 

I would like the head of this company or any other legal personal to look into 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 2021-11-22 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: IL

Complaint narrative:
XXXX XXXX XXXX reported 90 day late payment on my credit report and I wasn't late 90 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 2021-11-22 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: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. REMOVE this account immediately : ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in TransUnion. Lets correct this immediately. TransUnion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. REMOVE this account immediately : ( 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 non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I tried to open a credit card for my business associate under my supervision where I would be the responsible party. I was denied because my associate had a bad debt with this company that had been properly adjudicated through the Chapter XXXX bankruptcy federal laws. My associate 's record has been clean for well over the 7 years required to clear the record and has been able to qualify for a mortgage without mortgage insurance etc. Their XXXX XXXX is XXXX. 
I am questioning the legality of this since the credit would be in my name and I would be the responsible party and am in good standing with the company denying this credit card.

Company response to consumer: Closed with explanation