vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-12 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: FL

Complaint narrative:
Good morning. I was sent to collections by XXXX  XXXX  XXXX  inXXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XXXX and had to move out of our old place which was moldy and made our XXXX year old son  sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX   XXXX  XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX  XXXX  XXXX  SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX  XXXX  XXXX  is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX  XXXX  XXXX  off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time

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 2020-01-12 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info PO BOX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Check Cashing Service Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All theses inquiries wasn't use with my consent I want them all removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America stated that it sent a response to my complaint XXXX directly to me on XXXX. As of today XXXX I have not received it. I only received Bank of America response to my other complaint with CFPB, but not to 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 2020-01-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have trying to contact Equifax without any result, they transfer me to one department to another, at this point I don't know what to do. the affairs department is the worst. 
1- ccount Number XXXX XXXX XXXX XXXX XXXX , this account doesn't belong to me at all. 
2- XXXX XXXX XXXX XXXX Account Number XXXX XXXX, this account have been sold appear twice in my report .Activity Designator TRANSFER_OR_SOLD 3XXXX XXXX   XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF im still making payment for this account. 
4- XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account appeat twice on my report and is pay off.Activity Designator TRANSFER_OR_SOLD 5 - XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account is already discharge 6 -  XXXX XXXX XXXX XXXX Account Number xxxx # # account have been pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: FL

Complaint narrative:
Good morning. I was sent to collections by ideal collection services inXXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XXXX and had to move out of our old place which was moldy and made our XXXX XXXX XXXX son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working XXXX jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay ideal collection services their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off ideal collection services SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at ideal collection services is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take ideal collection services off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time

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 2020-01-12 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:
Good morning. I was sent to collections by XXXX XXXX XXXX inXX/XX/XXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XX/XX/XXXX and had to move out of our old place which was moldy and made our XXXX year old son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at  which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX XXXX XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX XXXX XXXX SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XX/XX/XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX XXXX XXXX is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX XXXX XXXX off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have been trying to have my account unfrozen and have access to {$25.00} in my Venmo account. I have sent them information they have requested and I have asked to speak to a supervisor. At this point, I asked for my account to be closed and mail the balance to me. I would like to ask for damages of {$100.00} also due to the severe inconvenience I have been caused by this delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I signed up with Coinbase with a debit card. They verified my account instantly and pitched the Bitcoin I requested. 12 hours later my account was compromised. The warning sent by email that my password had been changed suggested that I lock my account and reset after validating my identity. However they will not verify my identity and have permanently locked me out of my account. The customer service is non existent and automated with a computerized faq but no actual help. They have basically stollen my money and refused to address the issue. I guess its legal to steal so long as you can avoid the person you have stollen from long enough

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This concerns medical bills that have been paid by my insurance.. XXXX  already fixed issues,, XXXX  has not.. XXXX still showing medical bills with collection agency XXXX,, XXXX, I called XXXX, also known as Doctors Business Bureau and spoke to XXXX AFTER, I Called and spoke to 3 previous Agencies, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX XXXX, XXXX where service was rendered, XXXX XXXX, XXXX XXXX XXXX, All of which show my medical bills are paid by my insurance ... I called XXXX and spoke to a " XXXX '' and asked how can you show that I owe medical bills when all these agencies and original service provider shows they are paid and I owe nothing,, I gave him all points of contact including names and numbers and addresses to verify my bills are paid and please remove from my credit.. He said that wasn't possible even after all information I provided ... I filed another dispute through XXXX, provided same information as I did To XXXX at XXXX and still XXXX has yet to remove their collection on me.. XXXX has deleted those from my account ... I done all I could and Provided All information to XXXX  to delete this collections on me and remove.. I supplied all my insurance information also to XXXX to verify bills paid ... Nothing.. Still on XXXX  credit,, XXXX ... I Researched online and have a found complaints filed for XXXX not removing paid medical bills after proven paid.. Complaints made to XXXX, though XXXX isn't part of the XXXX..I need this off my credit report,, it's PAID ... Please help me if you can.,, Thank You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Florida XXXX Amounts showed that I owe that have been paid for by my insurance are as follows {$150.00} {$250.00} {$810.00} {$870.00} All have which been paid by my insurance and showed paid by original service provider and all agencies prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony bank called me at XXXX in the morning today Sunday XX/XX/2020. This us a violation of the FDCPA act which allows calls of XXXX to XXXX of the consumer 's time zone

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 2020-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
This company is reporting inaccurate information on my credit report. I have no knowledge of this account or to whom it belongs to. I've reached out to them directly asking them to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I had a open account with XXXX XXXX. XX/XX/2014 is the date reported. I have paid the account balance in full and closed this, but it is still reporting open with a balance and also has Duplicated into two accounts somehow. I have contacted XXXX XXXX Multiple Times as  well as the Collection company that has bought this debt. Please help me get these two PAID Accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We filed bankruptcy in XXXX and tried to complete a reaffirmation with Nationstar aka Mr. Cooper and they denied it. Since this took place they stopped reporting the loan to the credit bureau even though we were making the payments in a timely fashion. We later completed a Modification with them and they still would not report the loan. In XX/XX/XXXX we sold the property and paid the loan in full to the original amount including the modification non interest bearing principal balance. We just received a copy of our credit report and noticed they did not report this loan as paid in full. We received the Satisfaction of Mortgage but the at this point they have not reported this to the credit bureaus and due to this our credit has been affected during the last nine ( 9 ) years due to this situation. We made numerous attempts to have this issue resolved and they denied to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation