vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Already placed an complaint by phone with your office. However a repeat of what is going on is : Transunion do not have my credit score or credit history for me to view in order to place disputes. Upon calling Transunion Dispute Dept. I was redirected to what they call the special fraud dept unit. Upon speaking with them I could not verify my own information for them to release my credit score or history of my credit, because they say they can not verify my information to open my account. Transunion acknowledge that there has been some identity fraud as to why they can not verify the the right information. Bottom line they can not give me my score or my credit history and that was that. Now I should not be block from my own credit and the final deal is Transunion is selling me this : I can not verify then its nothing they can do. 

Besides filing a complaint with Consumer Financial Protection Bureau, I will wait the process from which you will receive from contacting them, and if Transunion have not fixed this violation of blocking me from my own credit I will be filing sue with my lawyer. 

I am in the process of straightening up my credit with the other 2 Bureaus with no problem, because I am attempting to buy a house and Transunion is holding me up with their unprofessionalism of how to handle identity theft. Surly is not to block me from my own credit and can not disputes items if I can not view the items to dispute and can not get in from the questions they use to verify who I am. 

This need to fixed 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 non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Hello, I made a payment to this collections agency on XX/XX/XXXX and they still haven't taken me out of collections. This is affecting my life. I called them many times but they didn't take any action. Today, I called them again and they said " NO, we will not remove it ''. They just don't care. They are uneducated people who ruin people 's lives and who don't even care. They don't even follow the process and don't care about law. When I tried to explain that this is NOT the process and they need to remove it from my credit, a woman named XXXX said no, she will not and she hanged up the phone on me. This is an awful company who hired the worst people with no education, no communication skills and no empathy. I am fed up with these people and this company. An electric company should not have worked with such terrible company! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Starting XX/XX/2019, Coinbase locked my account and wanted me to verify my identity again with my new telephone number. Since then, I contacted them for help 12 times : via website 2 times, XXXX direct message 5 times, and by follow-up emails 5 times on XX/XX/XXXX, XXXX, XXXX and XXXX. All attempts at contact, and acknowledgment of identity verification are attached. 

Their system asked for a selfie and my driver 's license and a new dummy account, which I created and told them I had done so on XX/XX/2019, and then it ghosted me. I have not received any reply saying when I can expect access to my account again. I have simply gotten robot replies at best. 

I have about {$15000.00} of cryptocurrency and cash in that account that they are sitting on and that I was trying to get out from their system when this happened. It is almost as if Coinbase is keeping it for themselves. Are they stealing my money or identity? It should not take this long to correct a phone number. Frankly, their process appears almost criminal. Right now, I am in a state of consternation. I feel like I have had my money stolen from me, and my previous good impression of Coinbase has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
So I recently called sunloan XXXX XXXX and they told i ( XXXX XXXX ) that I only had one loan and she said it wasnt possible for this second loans that reporting claimed to been opened on the same day as the first one! Please take this off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: WI

Complaint narrative:
I was contacted by a collection agency by the name of XXXX back in XXXX of XXXX stating that I owed a past due amount of {$1300.00} for a debt. I wasn't aware of any past due debt however to avoid any negative marks on my credit report, I agreed to set up a payment arrangement of {$220.00} for the months of XX/XX/XXXX through XX/XX/XXXX and one final payment of {$220.00} for the month of XXXX in XXXX. XXXX stated over the phone, that if I made all of the payments on time that the debt would not report on my credit bureau. Recently, on XX/XX/XXXX I applied for a home loan and I saw that the only negative item reporting was by the name of XXXX XXXX reporting with a similar amount and status showing as PAID, CLOSED, {$1300.00} WRITTEN OFF. This account was listed only on my Experian credit report. I disputed the item with Experian over the phone and they sent me a response and a new report on XXXX with the XXXX XXXX item still listed and that the outcome was that the item will remain and that XXXX certified to Experian that the information listed on my report is accurate and that it will remain on the report. I have record from my monthly bank statements that I paid XXXX collection agency for the total amount due of {$1300.00}, however XXXX XXXX is reporting this debt. Not only is XXXX reporting this debt and shouldn't be, but they are not reporting any original creditor, their telephone number, dates of status and the status info can not possibly be correct either.

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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They call my phone at least six times a day from multiple phone numbers. I block these numbers all the time but I am being harassed. I lose sleep and at times it distracts me from my job how frequently they call. I am thinking about taking legal action so I can have peace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
Refinance loan was done through this lender and the lender never paid the old bank with the pay off amount. so therefore now there is 2 loans showing on my name, where the 1st one should've have been paid off by this lender when i did the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: Self Lender Inc
State: IL

Complaint narrative:
My name is XXXX XXXX. I had a self lender account through XXXX   XXXX that I closed in XXXX of 2019. The account is showing delinquent on XXXX and closed on XXXX and XXXX which it should be because I closed it. My problem is the delinquency is inaccurate information. I should not be showing delinquent because I closed the account before the payment was due. I sent certified documents to XXXX and there has still been no action taken to remove the incorrect information. I need this to be updated as I am trying to maintain my credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XXXX, 2018, I was contacted by IQ DATA via telephone, regarding an account, about which I had no knowledge. I immediately informed them that the account must be a mistake or error and requested that they verify the validity/origin of the debt. Initially, the operator I spoke with couldn't tell me much about the alleged debt, except the original source - XXXX XXXX XXXX. I explained that not only did I not owe promenade towers anything, but I actually never got my deposit back from them when I previously moved out of my apartment, so if anything, they owe me some money. I said this in a phone call they recorded the very first time I was contacted by them. 

The operator went over after-move-out charges with me, that totaled less than my security deposit and when I pointed out that this might've been where the arithmetic error occurred ( perhaps turning a negative number to positive, I'm not sure ). I was informed that " there must be more charges somewhere. '' Well, I again asked that they verify and validate that in writing with me. I sent my request in writing and what I received back from IQ data was merely a copy of the document acknowledging that I do not owe any money. Rather, I am owed money. This math has been stated by IQ DATA, and confirmed in writing by their own documentation, which I have included  here. Yet they are still saying that I owe them money. 

Again, individual operators have admitted to me that the math doesnt add up, but they still continued on with saying that I owe money. 

Page 2 of the attached document that I received from IQ Data shows my security deposit in the amount of {$530.00}, and after-move-out charges in the amount of {$63.00} for countertop replacement, {$48.00} for painting and {$200.00} for rent ( {$310.00} total ), I am owed {$210.00}.

I have twice pointed this out to IQ Data and have not heard anything from them in months. It has been far longer than thirty days and they have failed to verify or validate that I owe them any debt, which they are required to do according to the FCRA. They have instead demonstrated and admitted on multiple occasions that I am owed {$210.00}. Therefore, this account is fraudulent and should not be on my credit report and I ask that it be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
I used the cash app as my sole bank. K thought going all digital would be much easier, boy was I wrong. I get my paycheck direct deposited into an account. After I got a new number I was no longer able to get into my old account. I emailed the company a total of 6 times in the past 6 days. They asked from some information regarding both accounts and i gave them what they asked. They kept telling me " Unfortunately, some of the information provided does not match what we have in our system. For security reasons, we are unable to merge these two accounts at this time. '' They won't give me any insight to what the  discrepancy is. My last check was {$370.00} and I was going to use it for rent. I got kicked out of the place I was in and was forced to move in with a friend. Cash app doesn't have any humans to talk to, and they their automated messages aren't very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2019, while present at the XXXX, MA  Bank of America branch, XXXX XXXX canceled a recurring {$12.00} monthly automatic deduction by XXXX for a XXXX subscription for which I NEVER SIGNED UP. I dont shop on XXXX because they never have anything I want, so I had zero interest in their membership, nor did I give XXXX permission AT ANY TIME to charge my account. 

XXXX recurring charges continued anyway, so I filed Claim # XXXX, for a total of {$290.00}, with Bank of Americas Claims Department. This total included five monthly charges by XXXX of {$12.00} each, as well as charges attributed to XXXX ( {$98.00}, {$59.00}, {$37.00}, and {$34.00} ; documentation for all amounts attached ) for which I had NO CORRESPONDING XXXX   PURCHASES. 

On XX/XX/2019, Bank of America denied this claim and charged back to my account the {$290.00} they'd previously removed while the investigation was on-going. On XX/XX/2019, I called their Claims Dept. and spoke w/XXXX. She re-opened my claim, and requested on my behalf Bank of America 's allegedly supporting documents for their denial of my claim. XXXX said I would have to call again, in 3-5 business days, at which point the documents supporting BoA 's denial of my claim would be available to me. 

On XX/XX/2019 I called their Claims Dept. again and spoke with XXXX. He appeared to be a new employee who did not have any idea to what supporting documents I was referring when I requested them. He put me on hold, consulted with others, then informed me the documents would be emailed to my email address XXXX. XXXX had no idea when I would receive them, but thought maybe 24 hours. 

On XX/XX/2019, XXXX XXXX at the XXXX, MA branch of Bank of America submitted a complaint ( # XXXX ) case regarding my claim. In her email on the same date ( attached ), XXXX stated the target resolution date was XX/XX/2019, and if an extension was needed they would inform me either before or on that date. 

As of today, XX/XX/2019, I HAVE NOT BEEN CREDITED EITHER the {$290.00} back in my account, NOR HAVE I RECEIVED the supporting documents I requested back on XX/XX/2019, NOR HAS Bank of America contacted me, either regarding the status of my claim, or the status of the supporting documents for their denial of my claim, by their self-imposed XX/XX/2019 deadline, or at any time since then, up to, and including, this filing.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have never received any contact from this company either by mail or by phone. I remember during the month of XXXX I started receiving what appeared to be robo calls. I would receive 2 calls per day on my cell phone from different phone numbers in the state of Virginia with no caller ID, and I would receive 2 calls per day on my home number from various numbers from different cities in North Carolina, again no caller ID or messages were left for me to call back. After approximately 30 days the calls stopped and this company put a collection notice on all 3 credit agencies. I was never contacted by mail nor were any messages to call back were left on my phones. I was never given the opportunity to discuss this account or work out any options with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: IL

Complaint narrative:
I did not recognize any of these inquiries and I never applied for these. I am requesting to remove all of these because it's a fraud. Somebody stole my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Michael J Adams PC
State: TX

Complaint narrative:
To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices Michael J Adams PC, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party XXXX XXXX XXXX  online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Commenity Bank is trying to collect a credit card debt and called 5 different times before XXXX and will repeatedly call throughout the day, upwards of 10 times, every day. They also call before XXXX and after XXXX as well. They also called my family members who are not at all on my credit card and asked for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have repeatedly asked them not to call my cell phone, i will only deal with them in writing. I have provided my home address and email address for communication. They call repeatedly every day, multiple times a day and constantly change the number when i block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: NV

Complaint narrative:
Recently, I found out that Equifax had a data breach and Equifax had a settlement. I checked both my spouses XXXX XXXX XXXX XXXX and my credit and found that our credit account/social security numbers were compromised. Per the lawsuit, Equifax was to give {$120.00} to each person affected or give them credit monitoring. In our case, our accounts have been frozen prior to this breach and if anything occurred on our credit accounts would be the fault of Equifax only and would be liable for any damages. I submitted a claim for my spouse and I last month on Equifax website. Equifax sent us an email ; your claim # XXXX for XXXX XXXX and claim # XXXX for XXXX XXXX for {$120.00} in connection with the Equifax data breach. You must verify you have credit monitoring or amend claim by XX/XX/2019 or your claim will be denied. No one that was affected by this breach should be required to have credit monitoring due to this issue! This is unfair and may violate our laws since Equifax affected thousands of consumers which should be held accountable more than just {$120.00} for their inconvenience, aggravation, having consumers information being compromised just to name a few. Furthermore ; if there is another federal or state agency that will also handle this complaint, we request that this complaint is forwarded to them so Equifax is held accountable for their actions. This is NOT about free money but rather damages to consumers credit file information that was breached!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have repeatedly asked them not to call my cell phone, i will only deal with them in writing. I have provided my home address and email address for communication. They call repeatedly every day, multiple times a day and constantly change the number when i block them.

Company response to consumer: Closed with explanation