vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
Hello, Today XX/XX/XXXX just after XXXX I reached out to my loan company the money source, to ask about forbearance as my work hours have been cut. I work for a furniture company and there's a shortage of furniture so we essentially don't have any product to sell. The representative XXXX offered me forbearance with a large balloon payment at the end or refinance which wouldn't be helpful. I asked her for options other than a large balloon payment, which is not a practical option. Obviously if I can't pay for my mortgage during the intervening forbearance period I certainly can't pay it all at once at the end of the forbearance period. I mentioned to her that most of my coworkers were able to get forbearance with their mortgage companies and at the end of the forbearance the missed payments would be placed at the end of the loan. She told me that the law doesn't allow that and that option didn't exist and continued to encourage me to fill out an application which on further questioning was an application to refinance. She was polite but her main concern wasn't helping me, but instead convincing me to refinance or accept a massive balloon payment at the end of the forbearance. Neither option solves or even helps the issue. There was no option for a reduced payment either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Ok so I opened this acct when bit coin was about XXXX a coin. Some one hacked the account. So when I logged in I saw that my acct went up tp XXXX dallars in bit coin and it was stolen a while ago. I can not access the account anymore cause they wont let me!!! I did not authorize or make this withdrawl and my acct was supposed to be locked! So it also told me that if I had not withdrawn the money, today, or at that time it would have been worth XXXX!!! So now they will not respond and im locked out of my acct. My user name is XXXX. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I had a {$900.00} credit limit with XXXX XXXX  store care and they are denying they did it on their own but at the behest of Transunion my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice, and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using 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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
I received a letter from Mountain Run Solutions, acct # XXXX stating I owe a debt of {$550.00} that is in collections. It states my name, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and the name of a business after it, for which I have no affliation with whatsoever. I have researched and such a business exists in XXXX, I have NEVER been there and do not owe such a debt. 

I sent a certified letter to the company from my legal advisor which was REFUSED. Upon further review I found that the suite number on the letter head was different from that in the body by one digit, eventhough the suite was next door AND owned by said company they refused the letter unopened. I have kept the unopened letter. I am on XXXX and the only bills I have are for medications and doctors, which is quite difficult. This whole issue has caused me a great deal of stress above and beyond the chronic pain that I suffer with daily. 
Here again is the name of the company from which I received a letter : Mountain Run Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah, XXXX ph XXXX XXXX. The address for the remittance in the body of the letter is the same except for XXXX XXXX.

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 2021-06-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: LA

Complaint narrative:
Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp
State: CA

Complaint narrative:
I dont owe anything to MAJR Financial Corp, they are still reporting negative items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cadillac Accounts Receivable Management
State: PA

Complaint narrative:
I have been getting calls from XXXX from Cadillac Accounts Receivable Management from the phone number - XXXX. They keep calling once every month saying that I have a debt. They never disclose what the debt is about. I ask them to send a notice or mail and they never send that too. 

I tell them everytime that I am not receieving a notice and they say I have a debt. How do I verify they are not scamming me or if the debt is even real. I dont have any unpaid bills that I am aware of. Appreciate any help you can provide on this.

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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This is not my debt, AWA COLLECTIONS claims I owe a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NM

Complaint narrative:
Every bill I have received from XXXX was paid. No bill from XXXX for this amount was ever received nor should it exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
On XXXX XXXX at Dealership XXXX  XXXX XXXX XXXX XXXX XXXX, Ill XXXX I was call in to finish up a pre approved vehicle loan with a down payment of {$500.00} plus XXXX XXXX they gave me {$1500.00} trade in value After completing the paperwork and license plates and insurance I and XXXX the finance manager sign I was giving the key after the plates were put on. Around 15days later XXXX call me and ask could I come back in to update my address because he put the wrong address and bring in a Utility bill with my current address But when I got there XXXX gave my paperwork to his Co worker to assist me when I went into XXXX XXXX office with him he began to become very verbally and physically aggressive asking me to give the keys back.I said no and try to leave and he became physically Abusive snatched the keys off my finger.causing injuries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had a {$900.00} credit limit with synchrony bank/Amazon store care and they are denying they did it on their own but at the behest of XXXX  my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice, and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using 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 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I do not owe G C SERVICES for any debt and would like them to remove all items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Lending Club Corp
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft LENDING CLUB Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX**** This is not mine.

5. Identity ThefXXXX XXXX XXXX XXXX Account Number : 23** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I terminated service with XXXX XXXX XXXX after many years as a customer. They tried to tell me I had a contract, which I did not. They billed me an early termination fee. I contacted XXXX XXXX XXXX several times after they billed me almost 2 years ago. I asked for proof of a contract and they were unable to produce it. That is because there was no contract. They have now sent the debt to three separate collection agencies over the almost two years. The latest debt collector is Franklin Collection Service Inc. Each debt collection company that calls I tell them that the amount is disputed and not owed to XXXX XXXX  XXXX XXXX I ask them to provide me of proof of a contract to support the debt, which they fail to provide me. I tell them not to contact me again but they keep contacting me and they are ruining my good credit by placing a debt collection action on my credit report. I need assistance getting this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NY

Complaint narrative:
This is the 7th complaint all I'm asking is experian to do what they are supposed to do by law under the fair credit reporting act INVESTIGATE!!!!!!! I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order 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 2021-06-03 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: Nelnet, Inc.
State: LA

Complaint narrative:
I entered a consumer credit transaction with US DEPT OF ED/GLELSI and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/GLELSI claim I owe. US DEPT OF ED/GLELSI has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I do not owe CAINE & WEINER COMPANY INC, this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: SC

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I do not owe CREDIT CONTROL CORP for any services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: LA

Complaint narrative:
Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXXXXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: LA

Complaint narrative:
Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: IL

Complaint narrative:
I have tried without success to get an erroneous hard inquiry removed from my credit report since XX/XX/2020. I have followed all of Experians directions ( they changed multiple times ) with no success. The Merchant XXXX XXXX XXXX stated they submitted a letter and changes through Experians portal multiple times. I contacted Experian many times since last year. A few months ago I was able to speak with a representative who actually attempted to assist. She called the Merchant and setup a conference. It was learned the letter that was sent by the Merchant had a XX/XX/2020 date and the Merchant needed to resend the letter with XX/XX/2020. I provided both letters as a reference. It was agreed during the call the Merchant will send the letter to my email and I would attempt to upload it on Experians portal. After more than twenty minutes and multiple browsers the file would not upload. The representative requested that I send the letter via postal mail and as soon as they receive it they would remove the item. I sent the letter certified XXXX tracking # XXXX XXXX and they still refused to acknowledge receipt. I issued a complaint with the XXXX  and Experience has yet to acknowledge the report. Yesterday I received an email from Experience however they provided no information regarding resolving the complaint. I then called them this morning ( XXXX ) and the representative stated they received my letter but did not receive the Merchants letter. I told her that is impossible because both letters were in the same envelope. At this point it is my belief Experian has no intention of resolving this issue. XXXX  corrected the error within two months and XXXX  after a XXXX  complaint. I also thought that paying for a Experian membership would assist in getting these errors corrected but it was a waste of six months of payments.

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