vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I want to file a complaint with the company Hunt & Henriques. Hunt & Henriques, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Phone : ( XXXX ) XXXX. Creditor : XXXX XXXX XXXX. 
Account number ending in : XXXX. Balance due as of XX/XX/XXXX : {$6900.00}. 

On XX/XX/XXXX, I sent a letter stating that the information sent to me to validate the credit card debt was unverifiable and incorrect. I stated the debt was invalidated. I asked to cease all reporting and cease all collection of debts immediately. 

On XX/XX/XXXX, a letter was sent to me with a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS. 

The company states to file suit on " BEHALF OUR CLIENT XXXX XXXX XXXX  ''. 

However, XXXX XXXX XXXX already charged off this debt to another company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. 

Then, I guess XXXX, eventually sold off this debt to Hunt & Henriques in XX/XX/XXXX. 

The resolution I want is for Hunt & Henriques to cease all reporting, cease all collection of debts immediately, and not file suit for this debt because the debt was invalidated, unverifiable, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I filled a dispute to in regards to incorrect items on my credit report. It's been well over 30 days and i haven't any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 tried to do a transaction from XXXX crypto currency wallet to my coinbase wallet, the money never appeared. I contacted XXXX  support they got back to me in 3 days telling me everything went fine on their side. Tried contacting coinbase 3 times and tried to call and still no response over a month. 

Transaction ID : XXXX Date : XX/XX/2021 Amount : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XX/XX/2018, I had XXXX XXXX XXXX XXXX services which around this timeframe I was only a minor and being charged of {$1200.00} which is invalid and I do not owe the amount of charges as I barely have any income or any type of bank/routing account available and as of writing I am now XXXX years old, and in 2018 I was only XXXX years old when the account got set up and had to lie about my age due to privacy reasons. 

The account got closed after TWO WEEKS, and not even a month after getting the services.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: CA

Complaint narrative:
Corelogic and XXXX are working in conjunction with one another reporting false, inaccurate, fraudalent, " time barred '' information and they refuse to accept responsibility and ignore all requests to delete this information that is affecting to secure a home. 

I spoke with a XXXX on XX/XX/XXXX with Corelogic who informed me they do not remove inquiries, but she would dispute the other information. She noted two Supervisors, a XXXX or XXXX would call me to discuss further as there is nothing else that can be done and they do not remove inquiries as per these Supervisors. Once again, these companies are reporting information that is not factual or correct, not to mention illegally reporting information. I completed all due diligence and the facts are attached hereto to make these companies adhere to the Law. They continue to claim and as per XXXX at Corelogic stated they receive their info from XXXX and XXXX, where in fact, both companies deny such information being transmitted to them. XXXX and XXXX has denied and proven they are not reporting any of the information XXXX XXXX and XXXX is providing to creditors. In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX XXXX for the same property address and filing with the courts three different cases for the same case. I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the XXXX XXXX XXXX XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client XXXX and XXXX but also from the Justice Courts, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer suffer and not be able to secure housing.

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 2021-03-09 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:
XXXX, Equifax and XXXX have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my XXXX file shows I'm in a foreclosure status XXXX has not updated the file in over a year and states the account is closed, and Equifax shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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:
Experian, XXXX  and XXXX have not updated my mortgage file and my mortgage company has not update the file either i have dispute the information on several occasions and nothing, my file is reporting foreclosure and i am in forbearance i am trying to refinance my property and i cant cause they are not reporting the correct information and when the bank pulls my Experian file shows I'm in a foreclosure status XXXX has not updated the file in over a year and states the account is closed, and XXXX  shows the account is closed, XXXX XXXX XXXX XXXX is the agency reporting the information, i have called them on several occasions also to update the files and nothing has been done the account is an active account. due to all party 's involved being negligent, i am requesting that the foreclosure be removed from my account because it is hindering me from getting my mortgage refinanced. i am expecting that this item of foreclosure be removed immediately. and update my account accordingly.

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 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: NY

Complaint narrative:
I have been paying my car note on a monthly basis on the XXXX of every month, through my Bank account. Flagship Credit Acceptance LLC. hires a Law Firm XXXX XXXX office. They lied and repossess the car. I received a mail from Flagship Credit Acceptance on XX/XX/2021 stating I need to pay them {$2700.00} to reinstate the car. I called and spoke with XXXX XXXX and asked why is it I need to pay them that money when I am making my monthly payment every month. XXXX after a little while told me to hold on, he spoke with his supervisor and they saw that I have been making my payments. He told me I didn't have to pay the {$2700.00} they will return the car. I have been paying them each month, I have my receipts and my bank information which confirms my payments. Once I called them they return the car free of charge without the License plate. I had to take off from work on XX/XX/2021 to go and get the License plate. On XX/XX/2021, I received a notification alert from the credit bureau stating I am late on my Flagship Credit Car payment ; I had made my payment on XX/XX/2021 in the amount of {$350.00} for XX/XX/2021. On XX/XX/2021, I received another credit alert saying the same thing " stating I am late on my Flagship Credit Car payment '' and my Credit score went down by 21 points. I check my Credit Report there is a Repossession on my credit report from Flagship. I do not owe them any monthly payment nor is my payment late. This shouldn't have happened when I am making my payments. They are also showing up 3 times on 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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXXComplainant received a phone call on her landline from an individual who identified himself as XXXX XXXX, an employee of XXXX XXXX XXXX XXXX. He stated that unless the complainant did not pay XXXX via XXXX or XXXX her electricity would be turned off in fifteen minutes. And that the " technicians were on their way and would be at her house in fifteen minutes unless a payment was made immediately ''. The complainant stated that " she did not have XXXX XXXX '' but could make partial payment of XXXX and XXXX respectively from her bank account with Chase via XXXX ( XXXX ). She then did, using her checking account transferred as payment on XX/XX/2021 the following amounts : XXXX and then XXXX respectively to a telephone number provided, XXXX XXXX. She was instructed to call each day to make a payment on her balance and she did so ; on XX/XX/2021 she made a transfer as payment of XXXX via XXXX ; on XX/XX/2021 she made a payment of XXXX via XXXX as payment towards her balance and on XX/XX/2021 she made a payment of XXXX via XXXX towards her balance with XXXX. All of these transfers as payment were withdrawals from her Chase accounts via XXXX. On XX/XX/2021 she recieved a call stating that she needed to make yet another XXXX payment but she became suspicious as the " payment arrangement '' she negotiated had a different paymment date and amount. She made no further payments. It should be noted that the complainant attempted on multiple occasions to call the published number for XXXX in addition to speaking with these individuals holding themselves out as XXXX customer service employees but could ot reach anyone on the published lines. She finally spoke with someone on XX/XX/2021 who confirmed that XXXX had receied no paymnets from her and that they were not taking customer payments due to the Covid-19 virus pandemic. The complainant reached out to XXXX who referred her through an automated system to her banking institution. Chase took a Fraud complaint ( Referece # XXXX ) and provided their XXXX XXXX number for you to call regarding this matter ( XXXX ). The complainant has reached out to XXXX, Chase, XXXX, the New York AG, FTC and now this agency for remedial relief, namely the return of her funds and that the individuals responsible for this are prosecuted for this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Due to a messy divorce I had to take a terrible loan with credit acceptance Corp. it was not my plan to stay with them very long but then the pandemic hit a few months after purchasing the vehicle. I am paying my loan even through the struggles and have requested that they do not report me late and they are reporting me late for the last four months and it is hurting my 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 non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I went to use my value city credit card today XXXX and was told I closed my credit card, I havent closed anything I have hood credit plus I paid this credit card on time, I expect this Company to activate this card again. Dont understand why they would closed without permission. A lot is going on with credit during this pandemic.

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to file a complaint with the company XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Phone : ( XXXX ) XXXX. Creditor : Bank of America. 
Account number ending in : XXXX. Balance due as of XX/XX/XXXX : {$6900.00}. 

On XX/XX/XXXX, I sent a letter stating that the information sent to me to validate the credit card debt was unverifiable and incorrect. I stated the debt was invalidated. I asked to cease all reporting and cease all collection of debts immediately. 

On XX/XX/XXXX, a letter was sent to me with a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS. 

The company states to file suit on " BEHALF OUR CLIENT BANK OF AMERICA ''. 

However, Bank of America already charged off this debt to another company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. 

Then, I guess XXXX, eventually sold off this debt to XXXX XXXX XXXX in XX/XX/XXXX. 

The resolution I want is for XXXX XXXX XXXX to cease all reporting, cease all collection of debts immediately, and not file suit for this debt because the debt was invalidated, unverifiable, and incorrect.

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 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
ATTENTION TO CREDIT ACCEPTANCE CORPORATION I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I reached out to this company back in XXXX in regards to remove this from my file as they sent information they received to open this account which was not done by me or belong to me. I am seeking for this account to be removed from my file in the amount of {$7300.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I contacted Experian in the first week of XXXXbecause I have been unable to acquirea score for months unlike the other two bureausto populate online. The first representativeI spoke with in the beginning of XXXX informed me I needed a trade line ( which at the time I had a small trade line already reported and active ) but to follow her instructions I acquiredan additional XXXX trade line that I have verified has been reported and Experian is showing the amounts on the report but not my Fico Score itself. So I contacted them again today. I have been on the phone with their " customer service '' department since approximatelyXXXXtoday. I spoke with another representative that stated if I were to enroll in Experian Boost my score would populate immediatelyso of course I did that as well. Boost populated 5 accounts with excellent payment history going back to 2019 but of course still no score was available. So I once again contacted Experian, after being on hold and hung up on twice I finally connected with XXXX who transferredme to her supervisor XXXX. I requested XXXX ID # or a reference # for the call and was refused on both counts ( the only info he stated he would provide was XXXX a membership supervisor out of XXXX XXXX or XXXX XXXX ) I was then told that ALL the information I receivedfrom the previous representatives was incorrect and there was nothing he could do to assist me. At which point I requested XXXX XXXX supervisor because I had been on the phone for hours and told at least 3 or 4 different answers none of which were accurate or helpful. XXXX refused his supervisor stating he was the highest person I was Allowed to speak with. Not only is this entire experience and lack of the representatives knowledge and customer servicefrustrating but this is hindering me from acquiringfunds trade lines and possibly my home I am attempting to acquire during a pandemic is not only unacceptable but extremely unethical.

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 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
It's been more than a month, I have been informing agents that works for Lakeview Loan Servicing that the reports they have on my credit reports is totally wrong. I got this mortgage back in XXXX, XXXX and I have never at once paid them over 30 days late. I will not deny the fact that I have made some payments past the 15 days grace period but never at once paid past 30 days late. They reported me to the credit bureau that I was 12 months late on my mortgage payments, for the whole year of XXXX.. I tried all my level best to let them know that you have the wrong reports on my credit file but they refused to understand my request and deliberately just don't care about my complaint or just trying to ignore what I was telling them. I was reported 12 months late for the entire XXXX, while I did made my mortgage payments that whole year.

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 2021-03-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a dismissed chapter XXXX bankruptcy on my credit report which Equifax claimed was verified by The Bankruptcy Courts and I contacted the courts and they stated they do not provide infomation to the credit reporting agencies aIso I do not presently have a dismissed chapter XXXX bk in my XXXX XXXX. I forwarded Equifax a letter stating that the courts do not provide information to credit reporting bureaus be it through mail, email, phone or fax. The reporting date filed, reference number, closing date, and the courts name is not present which are alI over the place and it make no sense. I also sent them a letter disputing their verification method and that if it is not accurate the dismissed Chapter XXXX Bankruptcy should be removed. 
Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2018 Reference # : XXXX Closing Date : XX/XX/2018 - Asset Amount : {$0.00} Court : Federal Liability : Exempt Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: ERC
State: CA

Complaint narrative:
I have disputed Enhanced Recovery Collection several times with XXXX  and they are still reporting erroneous and inaccurate information. I understand the FCRA laws and this is why I am filing a complaint with the CFPB now.

Company response to consumer: Closed with explanation