vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
An account was opened with Mariner Finance as a result of identity theft. In addition, I have contacted Mariner Finance and provided a police report, identity theft complaint, and an affidavit provided by Mariner Finance and have not received any updates as to the deletion of this account.

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 2020-08-11 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: AR

Complaint narrative:
My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX  XXXX {$1700.00}

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 2020-08-11 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: AR

Complaint narrative:
My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX  XXXX {$1700.00}

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 2020-08-11 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX XXXX no answer I dont use XXXX XXXX You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX  XXXX no answer I dont use XXXX XXXXl You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge

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 2020-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I bought the home on XX/XX/XXXX. Money placed in Escrow to pay insurance on home. The insurance due this year on XX/XX/XXXX. I received the invoice and called the mortgage company to ensure it would be paid. They said when they received in the mail. I called insurance company to make sure it was mailed to the mortgage company and it was. I received another letter stating insurance was not paid on XX/XX/XXXX. I called again to mortgage company they stated did not receive bill. I ask them to call insurance company while I was on the phone, they refused. I ask what could be done. They said it was my responsible to ensure insurance was paid. I called Insurance company again had them fax bill and declaration over. I called Insurance company the next week to ensure it was faxed on XX/XX/XXXX it was and I called Mortgage company ever since with no response and still unpaid insurance bill. I called my lender guy I work with to help he said he would and get legal team on board and still unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In XXXX 2018 this account got charged off, which destroyed my credit. Aftter more than a year and a half of the account being charged off, they started reporting a monthly payment, and they are reporting me currently late 120 days, which I can not be late on a charged off account, and I can not have a monthly payment on it either. I understand the pandemic has people confused, but this confusion is destroying my life and my chances of ever getting my credit back in order! Please help 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 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
3 Medical collections on my credit report without my knowledge from ( XXXX XXXX XXXX  XXXX : Credit Dispute XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX )??? how? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send meALL the following documents to me. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide the following or delete from my credit report. 

Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello, I have XXXX 1 month trying to send my bitcoins to another wallet or withdrawl my money thanks to coinbase I lost XXXX, I just want my money or send my bitcoins to another wallet, They didnt answer me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom it Might Concern, I bought three items in best buy in which two of the items are defective. Best Buy fail to send me new items and the XXXX XXXX and the XXXX XXXX by XXXX. Both items cost me over XXXX USD. I decide to sent the items back and I have been talking to Best Buy to get the XXXX label and they fail to resolve the problem. Best Buy wants me to take responsibility to ship the item back. 

Also, I had a 24 months finance brake and they are charging me {$23.00} fee every month for no reason. 

Everyone who buys from Best Buy should be extremely careful.

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 2020-08-11 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: GA

Complaint narrative:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX BANK XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX 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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
My mortgage payment is withdrawn from my account on the last day of the month prior to the month that is due. I am currently in the process of refinancing my loan so I logged into my account to check my payoff and noticed that my account is still showing due for XXXX/XXXX/2020. I logged into my checking account to verify my bank sent the payment just like every month prior. Sure enough on XXXX/XXXX/2020 payment left my account and was transmitted to Planet Home Lending. I called planet home lending and advised that my payment had not posted and they advised that they had not received any payment from my bank. I hung called my bank and advised that Planet Home Lending is saying they have not received the payment. She researched it and provided me all the info regarding the payment along with the transfer ID for the electronic payment. I then called Planet and provided this information to them and they advised they would submit to the accounting department but that it may take up to 10-20 business days ... .... Not sure what to do as the only way to avoid late payment fees and a XXXX day late hitting my mortgage is to make another payment for what I already paid. I have read many customer reviews and I am seeing that if you try to refinance your loan and not use Planet home lending they are doing things like this to make it difficult to complete the transaction. Any help to have this payment posted would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX 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 2020-08-11 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: OH

Complaint narrative:
Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance.

Please provide physical verification, method of verification, and validation of debt for this account. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Today ( XX/XX/2020 ) I tried to pay my mortgage online as every month. Our servicer was switched without our knowledge from XXXX XXXX XXXXXXXX to Specialized Loan Servicing. They failed to even notify us in time, there were several hick ups which I complained about before but those have been resolved. It is way too hard and COSTLY to make a payment over the phone and with any question about our foreberance plan we never wanted to be in ( we never missed a payment but can't reach anybody over the phone ), I tried to make a payment online. 
Paying online should not be hard. This awful company required me to change my password. After I changed the password, I was asked to verify my account with a code sent to my cellphone. After I changed my password, and verified the code, I was once more asked to verify yet another code. After that I was asked to write down a 16 digit code for future verification. By that time my blood pressure must have been through the roof. It should not have been this difficult and lengthy to make a payment. So I called them and hit # 4 for technical problems online to make a payment to find out why I had to change my password in the first place. Of course the person on the other line had a heavy foreign accent ( that was to be expected ). It is hard to believe what she told me : if I only log one once a month ( which is hard enough so I don't plan on logging into my account more than once a month ), I have to change my my password and go through the lengthy verification process every time. This is unacceptable. It seems like they want to make it as difficult to make a payment, as possible.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I CLOSED THE ACCOUNT TWICE AND PAID THE FULL AMOUNT DUE AND THEY CONTINUE TO KEEP THE ACCOUNT OPEN AND CHARGE ADDITIONAL FEES. THIS IS FRAUDULENT PRACTICE AND NEEDS TO BE INVESTIGATED. MANY PEOPLE HAVE THE SAME ISSUE WITH AMAZON 'S CC SYNCHRONY AND YOU CAN NOT ANY RESPONSE ALSO FROM THEI CORP OFFICE AS WELL. THEY JUST IGNORE ALL AND CONTINUE TO SEND STATEMENTS.

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 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Good morning and my name is XXXX XXXX and i just got off the phone with 3 different representatives at XXXX XXXX which then connected me with ( Commonwealth Financial Systems XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ). The representatives stated that they can not find me because they don't have my SSN on file and that they have limited information about me - They only have a prior phone number, which doesn't belong to me, and they gave me an address of XXXX XXXX XXXX, that doesn't even belong to me. They said that it's a medical collection from XXXX from XXXX XXXX XXXX  which I don't even recollect for a procedure - Hippa violation!!!. How is it possible they placed this on my credit profile without my knowledge without my personal information. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: MD

Complaint narrative:
I opened a First Progress account years ago which charged off and was sent to XXXX XXXX. I have called XXXX XXXX multiple times and they claim the account is no longer in their office and to call First Progress. I call First Progress and they say to call XXXX XXXX  This is holding me up. Because i cant pay the balance i cant apply for a mortgage. Someone should be able to locate my account and accept payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NJ

Complaint narrative:
one of my store credit card decreased my credit limit from {$4000.00} to {$200.00} on a report from Transunion indicating 1. lack of Real Estate secured loan information ; 2. too few Accounts Paid as Agreed ; 3. Too few accounts paid as agreed and 4. Delinquent or Derogatory status on Auto Accounts is too recent. I take issue with all 4 as my 2 card were all paid in a satisfactory matter as I was never late and 2. there were two auto loans on my account and one was paid off that was also NEVER LATE. In addition, by them decreasing my credit, my Score dropped 19 points. I have never experienced a credit limit decrease. Something is not right here.

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Setting up an account with XXXX for shipping purposes and PNC will not allow me to link my bank account to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-11 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMCB XXXX  XXXX is due and payable as a corporate expense of XXXX XXXX. XXXX XXXX, a XXXX and XXXX CEO/Founder asked XXXX XXXX, an American and former Executive Contractor to open the US Dollar account for the company since Mr. XXXX was unable to. Ms. XXXX did this in good faith for the betterment of the companies. Ms. XXXX has a signed letter by Mr. XXXX confirming this amount is due and payable by him and the company ( XXXX ). This account is currently in dispute and pending further legal action by Ms. XXXX against Mr. and Mrs. XXXX and their numerous companies ( including but not limited to mykey, XXXX  Suites and XXXX XXXX ) both in the US and XXXX.

Company response to consumer: Closed with explanation