vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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 the following credit inquiries, which I did not initiate or authorize, despite my repeated attempts to bring this to their attention : -- XXXX, XX/XX/XXXX -- XXXX XXXX, XX/XX/XXXX -- XXXX  XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Coinbase.com owes me {$13000.00}. I show it sitting in my account and yet when I go to withdraw it the company will not allow if you be transferred into my bank account. 

I have sent several follow up emails with no response. They have my name and email XXXX XXXX XXXX Please help me get this money back as I need it desperately for my bills. I think this company may be frauding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I requested a loan modification on my mortgage with Arvest Central Mortgage Company. I was given a 3 month forbearance in XXXX due to Covid and they were offering me another 3 months but what I wanted was to figure out how I was going to afford payments in the long term. 

I called numerous times and was transferred all over the system. I finally was told that my case would be reviewed and the term and interest rate could be changed to a 40 year loan. Not exactly what I had in mind but I was open to hearing what they would come up with. It is now 6 weeks since I started this process and haven't been able to get through to anyone, no written correspondence from them, as they assured me, no letters in the mail, no response whatsoever. 

I want to keep this house and I know this can be worked out ... but not if they aren't willing to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-16 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NC

Complaint narrative:
The was an illegal inquiry/pull of my credit report by syncb paypal in  XX/XX/XXXX. XXXX and XXXX XXXX are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX and XXXX XXXX   continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX XXXX, false statements made on behalf of XXXX and fake letters they said they sent.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020, my outstanding balance on my Capital One credit was paid by XXXX XXXX as a part of bill consolidation loan I received. XXXX XXXX overpaid my outstanding balance by {$300.00}. Capital One said it will refund the overpayment in 60 to 90 days! 

When I owed a debt to Capital One, I had 30 days to pay. Why should they get 60 to 90 days to refund my money. The account is closed so there's outstanding charges that will be charged to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
1. ProCollect Inc refused to reveal the contact details of the creditors thereby shielding me from challenging the improper business process of forwarding a debt to a debt collector without giving me the opportunity to know about the debt and to address it.

2. ProCollect Inc in enforcing a debt notice to a debtor without prior information to the debtor by a creditor is in violation of Texas Deceptive Trade Practices/Consumer Protection Act and Texas Debt Collection Act.

3. ProCollect Inc persistently contemptuously ignores the ruling of Justice XXXX XXXX on XX/XX/2017 which shows that the creditor vacated the debt in the creditors appeal to the court, and hence, the court ruling nullifying the debt.

4. ProCollect Inc refused to remove the debt from the credit records and rental history of XXXX, XXXX  and XXXX, XXXX thereby denying our family the ability to rent a new accommodation.

5. ProCollect Inc continues to cause psychological harm and damage to the growth of our child because we do not have a proper accommodation for her upbringing.

6. ProCollect Inc continues to cause damage to the reputation of XXXX, XXXX  and XXXX, XXXX  by refusing to remove the debt from our credit histories.

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 2020-07-16 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient 's negligence has ruined my life. They had been sending my bills to an old email that belonged to my mother seven ( 7 ) years ago. They had my address and phone number on file, as they used those to verify my identity when I called, however, they never reached out to me through these avenues. My credit score fell from XXXX to XXXX. I'm not able to buy a house or a car and I have no idea how they plan to have me pay them back without the ability to acquire a reliable form of transportation. I contacted them, they said since my account was 90 days past due they would automatically deny any complaints I filed to them. The credit bureau told me to contact Navient and " buy something like a refrigerator to rebuild '' my credit. ODE told me they are unable to do anything but if I feel wronged then I can try to sue them or the loan provider and see what happens. I have truly given up all hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and XXXX did not have permission to furnish my report to these creditors listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 explanation
Consumer complaint received 2020-07-16 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

SYNCB/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 monetary relief
Consumer complaint received 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2020-07-16 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: MS

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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 2020-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
XX/XX/2020. Amount {$150.00}. I sent my dispute to the three major credit bureaus regarding this inaccurate information. No response from the companies. Not only is it invalid, reporting medical information is a violation of HIPPA.

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 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I submitted this issue before XXXX and it was resolved then they just put the charges back on my credit account. They have sent me letters that the charges were false, then they keep changing their mind and putting them back. This all started in XX/XX/2019 when my account number was stolen and 8 charges from XXXX XXXX totaling {$3800.00} appeared on my card. I and no one in my family had anything to do with these online purchases. I do not know why the say they are valid. How can I prove they were not my charges when I had nothing to do with them, I don't even believe they were from my state location. Please help this has been a stressful and ridiculous resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Hello. My husband filed for bankruptcy which was discharged on XX/XX/XXXX. This was NOT a JOINT bankruptcy and our home was not included in the bankruptcy. My name was not included in this bankruptcy in any way, shape, or form. A mortgage servicing company called SPS Select Mortgage Servicing acquired our mortgage in the fall of XXXX. We had previously been with XXXX XXXX. When checking both of our credit reports, I noticed that our mortgage was not listed. I have contacted SPS and have receieved information from then that my husband did not have a reaffirmation agreement with them so this has not only affected his credit but my credit as well. I am co-owner of this property and I was not and am not included in this bankruptcy from 11 years ago. I have spoken with my attorney who advised me to file a complaint about this as this mortgage should be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

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 explanation
Consumer complaint received 2020-07-16 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: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: OR

Complaint narrative:
XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NC

Complaint narrative:
XXXX  ( aka XXXX XXXX ) turned over a delinquent bill to Sequium Asset Solutions ( debt collector ) in XX/XX/XXXX, in the amount of {$680.00}, stating that the account was mine. However, after fighting this since XX/XX/XXXX, I finally got a letter from XXXX  ( on XX/XX/XXXX ) stating that the bill is NOT mine and that I'm not responsible for it. But, the delinquent bill has not been removed from my credit report ( as of the date of this correspondence ). I contacted Seqiuim Asset Solutions, the debt collector, to try and resolve this ; however, they have told me I am no longer in their system and that XXXX  is the one that placed this on my credit report, and that XXXX  is the only one that can remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have tried to fix the problem with the company for over a year. I have sent letters, disputed several time with the credit companies. World Fin, would just send a settle offer. No proof of contract are anything. Information is incorrect and not vaild

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: OH

Complaint narrative:
XXXX 's negligence has ruined my life. They had been sending my bills to an old email that belonged to my mother seven ( 7 ) years ago. They had my address and phone number on file, as they used those to verify my identity when I called, however, they never reached out to me through these avenues. My credit score fell from XXXX to XXXX. I'm not able to buy a house or a car and I have no idea how they plan to have me pay them back without the ability to acquire a reliable form of transportation. I contacted them, they said since my account was 90 days past due they would automatically deny any complaints I filed to them. The credit bureau told me to contact XXXX and " buy something like a refrigerator to rebuild '' my credit. ODE told me they are unable to do anything but if I feel wronged then I can try to sue them or the loan provider and see what happens. I have truly given up all hope.

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 2020-07-16 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: FL

Complaint narrative:
I gave Equifax the courtesy of filing my complaints concerning " old '' accounts directly to them but they will not clear a specific account from my file. I Never stated that the account in question was not mine. I Did state that it should be Reviewed and Removed. Furthermore, the Equifax dispute center does not give many options to specify exactly was a consumer is disputing. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: My Mortgage, Inc.
State: FL

Complaint narrative:
I was referred to Mr. XXXX XXXX, mortgage broker, as a stipulation of a real estate contract I entered. He was referred to me through Mr. XXXX XXXX, the sellers realtor. During the time period that I dealt with Mr. XXXX, he would repeatedly ignore correspondence via phone or email. He promised that he could get a second appraisal passed since the first one was " allegedly '' below what the seller was willing to accept. Shortly thereafter, he ignored correspondence from me and my realtor. He gave several deadlines that he was unable to honor. The appraisal was ultimately not accepted by FHA. 
Mr. XXXX worked with Mr. XXXX XXXX, sellers realtor, to draw out the real estate contract until I was outside of the loan approval period. When it came to light that he would be unable to fulfill his guarantees, he once again did not respond to any correspondence. He would not notify me of any issues until deadlines were looming or had passed. I was then notified by the sellers realtor that they would be keeping my escrow money because I was in breach of contract due to passed deadlines. I was able to work with the seller directly to remedy the issue and sought out another mortgage broker opportunity. 
In my opinion, I do not believe this is the first time they have colluded to swindle buyers out of their money. I honestly believe that had I not had a lawyer contact them immediately, they would have taken my money and would have gone on to another victim. I write this in the hopes that although everything worked out in my favor, I can help someone else from being placed in a similar predicament. 

Below I have listed the contact information for the involved parties : XXXX XXXX Legacy Group Lending XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XXXX Real Estate Broker License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation