vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I noticed my credit report saying I owe XXXX money. So i called XXXX multiple times and they kept transfering me, ive probably been on the phone with them XXXX XXXX so far and never go directed to the right department to handle this. Most of the departments verified they cant find an account for me in the first place, my name is XXXX XXXX, birthday XXXX  and phone number has been XXXX for the past XXXX XXXX. I have never signed a contract with them or had an account with them in any form, including internet or whatever else they provide. I told many of theyre departments that this would have to be fraud if this report is even true. If they have a signature, id like they to match it to mine because I know I have never had an account with this. Please invesigate this buissnesss practices and require them to actually have my consent before charging me, like I said before, I have NEVER had an account with them or services with them in my whole life. I kept reaching out to them, and even disputed on experian and both have had no luck.

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 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
DIVERSIFIED ADJUSTMENT is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to XXXX blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am not an attorney or third party rep. I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to Experian blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: MD

Complaint narrative:
Transunion continues to report a bankruptcy that does not belong to me even after I provided documentation from the bankruptcy court as well as XXXX XXXX stating that the bankruptcy is not mine. I have sent in a dispute every month since XXXX, and each time they fail to properly investigate and resend the same letter that's dated XX/XX/XXXX. I have failed a compliant with the CFPB previously, but to no avail. I spoke with a representative from XXXX XXXX on XX/XX/XXXX @ XXXX and she confirmed that there is no bankruptcy on my account. I would like for this inaccurate data to be removed from my account immediately as it is negatively impacting my credit worthiness.

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 2021-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I was recommended to Bank of America by a financial adviser from XXXX XXXX, owned by B of A. The advisor sold me on a unique product that they offered, a 30 year fixed rate with a 10 year interest only option. Since I am retired with reduced income, I found this to be an attractive option versus the 3.5 % 30 fixed that I currently have on my primary residence. The application date was XX/XX/2021 and the application was taken by XXXX XXXX, XXXX, with B of A in New York. The application was originated incorrectly with many inaccuracies. I on several occasions asked that the terms of this interest only be confirmed. I was told verbally that it was. When I received the disclosures I questioned why they disclosed a non-conforming 30 year amortized loan when I was sold an interest only version. When reviewing the disclosure documents, I questioned the terms assuming that because it was a unique product that it must be disclosed in this manner. I received verbal confirmation from the XXXX XXXX adviser, XXXX XXXX, that it in fact was the interest only product. The loan officer, XXXX XXXX, never responded to that question to me personally. In fact since the origination of this application, XXXX has failed to communicate throughout the entire process. Never returning requests for a phone call and rarely through the various email systems employed by Bank of America. Finally out of extreme frustration, I reached out to his manager, XXXX XXXX on XX/XX/XXXX - over 90 + days in process - inquiring as to why this loan has not closed in timeframes set by the loan officer. When verifying that I was receiving the interest only option product, he stated that I was not. It was a traditional 30 year loan. I feel that through this exhausting process I have experienced miscommunication, misinformation, misrepresentation and was deceived throughout the process. XXXX blatantly ignored my requests and acted in a manner that is required through regulations dictated by NMLS, FTC and Consumer Finance Act. I have invested time and funds as well as severe distress for the last 90 days. I feel that XXXX should be held accountable to the tenants of these regulations. I am a 30 year veteran of the mortgage industry, currently retired, and have a 36 year legacy relationship with this bank, both as an employee and a client. This process has been an egregious disregard to me as a consumer and long time client, with no remorse or acknowledgment from any of the parties. These misrepresentations board on fraud. I have filed complaints with the NMLS through the NY Department of Financial Services and will file additionally to FTC and local RI Department of Business Regulations.

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 2021-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My mother stole my identity and is opened up an account against my wishes with my social security number and they did not believe 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 2021-10-30 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: MD

Complaint narrative:
There is a collection account on my credit report from state of md XXXX XXXX I've attempted multiple times to have the collection removed as it does not belong to me as I have never attended the XXXX XXXX XXXX XXXXXXXX. Experian has failed to properly investigate after numerous disputes and continue to provide me with a recurring generic response. I sent in a method of verification which they failed to acknowledge and continued to report this fraudulent account. Please properly investigate and have this account removed 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 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of Identity Theft and have extended fraud alerts which I will admit does help protect my credit by declining credit applications but nothing is done about the inquiries from the attempts at getting credit in my name. The accounts are getting denied but the inquiries are remaining ; I have sent my police report, identity theft report and proof of ID to all bureaus requesting those inquiries are removed and they always fail to respond to me or remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
hey I reached out to security credit services because I checked my credit report recently and I notice there stating I have an out standing balance of {$770.00} on XX/XX/2020. I have no knowledge of this account this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of Identity Theft and have extended fraud alerts which I will admit does help protect my credit by declining credit applications but nothing is done about the inquiries from the attempts at getting credit in my name. The accounts are getting denied but the inquiries are remaining ; I have sent my police report, identity theft report and proof of ID to all bureaus requesting those inquiries are removed and they always fail to respond to me or remove the inquiries.

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 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase.com shut my account down after doing business with them for many years. Costing me a bundle and a major hassle. I only know about purchasing, not really in transfering so they forced me to transfer and much of it ended up lost as well. Their " customer service '' is ignorant and plays clueless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 AmeriSave took, a home loan refinance application from me, and {$500.00} over the phone. I was instructed, to verify documents & submit information on their portal. I noticed, the Pension amount I shared during the phone application was inaccurate and underreported by approximately $ XXXX. By email, and phone message requests I asked the correction be made so the amount is consistent w/ the bank statements and Monthly pension statement I provided via their portal. I did not receive an email response, nor phone call. I will attach the email, along w/ several other ones for which no reply was given to me. Those emails, detail technical and/or other non user friendly and inefficient relative to AmeriSave 's portal. For example, I repeatedly get requests for bank statements which I provided, along w/ permitting their access to my accounts. The challenges, AmeriSave presents to me is quite consistent w/ countless customer complaints on XXXX XXXX Yes, I should've researched the corporation. Moreover, its why I am reporting their problems now. I sincerely, believe by their approach, and the customer responses, I may have been scammed of {$500.00}. Or/and ... maybe, I am concerned, XXXX will include me in their not correcting false information on a mortgage application. During my career, I achieved and served in 3 separate peace officer classifications, so following the law is important to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-30 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: Nelnet, Inc.
State: CO

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
hi I have reached out to SEQUIUM ASSET SOLUTIONS because I recently checked my credit report and I notice there stating I have a outstanding balance of {$2600.00} from the date XXXX XXXX.I have no knowledge of and this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
This company is in violation of several FDCPA laws. I sent a validation debt letter and also a cease and desist to this company. this company is reporting false and inaccurate information on my credit report. the information that this company is reporting is unverifiable and inaccurate. I demand this company to stop reporting this inaccurate and false information on my credit file and to cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a capital one credit card that I've had for years made every payment on time kept the account in good standings and the last time it was a increase on the account was XX/XX/XXXX I have no payment problems with my other creditors no late payments or anything and they have not done nothing to increase my account in almost 4 years I did put a request in on XX/XX/XXXX but got a email saying that we will email you in a few days with a response which if it went through it would've said it right there so I know I didn't get it I want to close the account but I know it will hurt my credit score if I do if you can help me with this matter it will be very helpful I don't need a card company that does nothing to look out for it's card holders if I could close the account today without hurting my credit score I would 4 years and nothing they care only about people making their payment on time and that's it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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 is incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I TALKED TO AN AGENT OF THE COMPANY EXPLAINING TO THEM THAT ARE TWO DIFFERENT ACCOUNTS FOR THE SAME ONE ACCOUNT. THEY TOLD ME THAT THEY COULDN'T CHANGE THE STATUS OF THE ACCOUNT. THEY ARE WANTING ME TO PAY FOR BOTH OF THEM. THIS IS VERY WRONG AND IT AFFECTS MY CREDIT SCORE TREMENDOUSLY.

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 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX is currently reporting to two credit bureaus, XXXX and XXXX. I've made all of my payments on time, as well as kept my balance low on this card since I opened XXXX XXXX. I advised this company that I do not own a printer and they insist that I send them a blank copy of my report showing that they are not reporting to transunion. I also am not welcomed to going to a public library at this time as I have kept my word by paying my fees for credit card and any balances on time. My credit score for transunion is XXXX and for XXXX XXXX at this time which is tremendously different at eyesight. This is not fair to me as a consumer and false advertisement. XXXX claims to report to all three bureaus regardless of what the miscommunication is between the companies, I don't feel that this is fair reporting.

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