vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my car loan shows late never late experian refused too 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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig.Cred : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX I purchased a new credit line for XXXX from XXXX XXXX XXXX for 149.99 I disputed the charge in XX/XX/2021 because I never received what was advertised I was refunded for about two weeks and then it was put back on my credit card because the company claims they sold me a membership which isnt true all I received was confirmation that the payment went through

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: HI

Complaint narrative:
I have disputed MULTIPLE times with Experian a collection that was paid, yet they have not once responded out to me to let me know anything! I have had no correspondences with Experian, no confirmation of even receiving my disputes. The first time I disputed was XX/XX/XXXX ; then again on XX/XX/XXXX, XX/XX/XXXX and as recently as XX/XX/XXXX. Yet here I am, a year later, with NO communications from Experian! This is not acceptable in any way.

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 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
My phone was stolen on XX/XX/XXXX so I had them disable my account on Coinbase to prevent any transactions. The email said to respond once you've recovered your device so they can reactivate my account. I've messaged them every single day since and haven't gotten a single response and I also have filed a complaint to them. I then reached out to their social media pages and their XXXX customer support team finally responded. The person was no help and completely ignoring what I was trying to tell them and after maybe a 10 minute conversation, they said " I'll forward your information to someone else '' without even knowing any of my information at the time. I asked to speak to the persons XXXX multiple times because they were just giving up trying to help and said " I need to help other people ''. After this conversation my account was still disabled, but I also had a coinbase wallet that was working perfectly fine and all the money was still on there because it uses a private key and I didn't have to worry about whoever stole my phone being able to take that money. This interaction happened on XX/XX/XXXX and when I went to check my wallet today XXXX XX/XX/XXXX ), all of my money on that account had been sent somewhere else. I checked the time it was sent and it was shortly after I had the conversation with their XXXX Customer Support. I went back to the XXXX messages once I found out and sent them a message and never got a response back. I then tried to send another message this afternoon and it turns out they blocked me. So now I have a disabled Coinbase Account that I can't get in, the money on my Coinbase Wallet account has been sent somewhere else, can't get in contact with anyone through any outlet, and have now been blocked by the XXXX page. This company is robbing me and I can't do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STEWARD FINANCIAL SERVICES LLC
State: NY

Complaint narrative:
I went to the Stewards shop XXXX ATM XXXX today ( XX/XX/2021 ) at 2 locations..The first location was on XXXX XXXX and the second was on XXXX XXXX.in Albany..It is bad enough that I was assaulted by people putting harmful things in my coffee..They harassed me at there ATMS  violating my personal business. 
These people who they have done this with should be in jail and have a nerve to compromise my freedom..If you do something really bad to a person ( ME ) I have a right to make sure they can not hurt me or ANYBODY ELSE..They can not CONTROL me because I have constitutional rights and should be protected by your consumer protection agency..I don't ever ever want these people in my environment and it is my choice who I want around me and they put substances in my coffee to watch me and disrespect me in my home and this is penal code 145.50 and if you intentionality commit this act against my will you go to jail and there is NOBODYin this world who can tell ANYBODY they can assault me in anyway at all ...

Company response to consumer: Untimely response
Consumer complaint received 2021-04-02 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: MD

Complaint narrative:
As the consumer, I have told Equifax LLC through a notarized affidavit that there were unauthorized and unverified inquiries reporting on my credit report and in accordance to the FCRA, they legally need to be removed. Equifax LLC has not repsonded to my affidavit that was delivered via fax to XXXX on XXXX, XXXX, 2021, a number provided by Equifax LLC themselves. They are violating 15 USC 1692g as they have not completed those steps and I, the consumer, has not validated any of the Inquiries.In this case, they are also violating 15 USC 1692k that speaks of failure to comply with law and consumer they will be subject to fines each consisting of {$1000.00} each violation. My rights have been violated and the inquiries must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
All of a sudden US Bank, without a notice, without a warning and using XXXX  decisions US Bank put my account on hold. 
Only today, when i was checking my Salary deposit  into my account I realized they put a hold on my account. My Salary was not able to be deposited into my account. 
I contacted the phone number saying i should contact but they could not provide me an answer why was my account on hold. 
I was transferred to Fraud Department for further assistance but they too said they do not know why my account was frozen. And i was informed to contact nearest Branch  to clarify the situation. 
I went to the nearest Branch, where I was told my account was on hold and they will delete the account and that they will send me a check with my balance. 
I explained to the Branch  that my salary  was prevented from being installed into my account and that i have loan payments and other financial obligations related to my account but they said they have no solution and refused to provide me with my money in the account. 
Then they explained that i was a joint holder with another account that had an issue that is being resolved as we speak. When asked what is the relevance of the other account holder to my personal account they could not provide a reasonable answer. They explained the other person 's account problem is being resolved and will be clarified but would take a week to clarify. 
I explained to the Branch i had salary to get and it is direct deposit so now it is lost in the cyber space and will take time to re allocated or to be paid and that i have financial obligations coming up but in vain. They said the Branch could do nothing and that it is a stupid blunder at the main office that they could do nothing about it. 
So practically in the USA i am denied access to my money ... ... ... and i thought that happens only in the place i immigrated from, a third world country under XXXX laws. 
I think the Branch decision was carried out by ethnically and racially profiling me. 
If they close the account i lose all my credit history, my credit score will fall down, my financial fees will rise and my plans to buy an apartment or a lot will be jeopardized. 
I am neglecting now my job and my study, i have college exams, and i am emotionally outraged about the situation. My ability to meet my monthly financial obligations is compromised and so my financial reputation will suffer.

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 2021-04-02 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: FL

Complaint narrative:
On XX/XX/XXXX, I decided to request all my credit reports from all XXXX credit bureaus. I noticed that there was an account on the report from Experian that I knew nothing about from XXXX, XXXX XXXX XXXX. They were reporting that I had an account that originated on XX/XX/2020 with XXXX XXXXXXXX for {$520.00}. I didn't recollect visiting the XXXX at all. As a result, I decided to check the claims submitted to my insurance company for the last XXXX months as well as any payments made from my XXXX account to verify that I had paid a visit to the XXXX on that date. I found nothing. I had not visited a XXXX at all. I decided to dispute the charge and while awaiting the results look into this company. I found many complaints about this company and their reporting of incorrect information as well as not working with consumers to correct any issues. When I received an update about the dispute saying that the company verified that the debt was mine ... I was floored. My first time ever hearing anything about this collection company or alleged debt was when I viewed my Experian credit report. It's not on the reports from the other credit reporting agencies. I called Experian and asked what documentation was presented and was told none.Which is unbelievable and believable at the same time. I haven't received any documentation nor have I ever been contacted by this company. I was told to contact the company or to upload documentation to prove it's not mine. Of course I am afraid to do so because attempts by others only resulted on frustration and I don't want to provide them with any of my information out of fear. I have reached out to what is now known as XXXX  and was known as such at the time of this alleged incident to try to get answers. It's unsettling to know that a debt collection company can report whatever information they want to credit reporting agencies without documentation. This is not my debt and I would like it to be 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 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Affidavit of Truth was sent out on XX/XX/2021. A response was received that was responded to incorrectly A Notice of Default and opportunity to Cure was sent out on XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We were recently in the COVID loan forbearance and worked with our service provider to do so. This ended in XXXX of XXXX and our first payment back on track was on XXXX of XXXX. I have now made 3 continuous payments and am having trouble making the 4th. When inquiring deeper I find that there are additional charges on my account and the servicer is asking me to make an additional payment of {$390.00} for recording fees surrounding a loan modification that never took place. The outstanding balance was simply supposed to be put on the back end of the loan. When I call to get answers I am given the run-around and am not allowed to speak with a supervisor. I am afraid this will be extended and put myself and my family in danger of falling behind on payments and having further issues. I have been sent numerous notices about having my home foreclosed on but am not able to get any answers when I call in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Excuse me ever since ; ( XX/XX/2021? I have tried contacting the company? ( American Exspress Debit Credit Prepaid card? I have tried numerous amounts of times? And still today are not able to view my account balances? Not able to view my transactions? Not being able to make deposits and see them? Enter into my account? I am constantly getting bogus and lame excuses? First of all There never should have ever been a change? Everything that was working from the previous system were working excellent? from stating the previous issues that I stated above? they claim this would be better? Please I have a lot of health conditions that cause me to view my accounts online from balances to transactions ; to withdrawals and Deposits? Let me give you a prime example? Say that you or your significant other were attending numerous amounts of personal business? And every time you had or when you had to contact your? Financial Institution? You were on hold for more than an hour? Each time and you still were not able to settle or get your account settled? And say that you saw bogus charges on your account? Say when you want to view your account balance and transactions ands deposits? and bogus charges? And you were not able to see them for the nine days? And when the bank, or the financial institution? was supposed to notify you of the change? And you find out that you are not able to access your account? For these nine days? Tell me how XXXX? You would be? First of all when you make these changes? the bank or financial institution ; ( American Exspress Debit Credit ; Prepaid card? Was long supposed to have? Made the same changed when they moved supposed to have made sure that customers can view there account balances? There transactions? And other options? And what if you knew that they were? aware of this and did not care? Let me say this? How incompetent you have to be? If you are making changes to yoiur website for no apparent reasons? And you decide that? this would be better for customers? And you found out that the change was not EVER? EVER? necessary to move ever? what was working and never needed change? Come with the change? Incompetence? XXXX XXXX? XXXX? and lack of professional work ethics? and and still you can not access your account and services this day? Know an educated company truly knows what should have taken place? And yet you see incompetence and still are not able to access your online account for ( 9 ) days you tell me how XXXX you would be really?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
The mortgage Officer attempted to secure me a cash-out refinance. I have very unique circumstances which I explained to the loan officer. The mortgage on the property was in my deceased mother 's name. The property was titled to myself. I had been making all payments since the property was purchased in XXXX. The loan did not materialize because of late payments made in XXXX. The loan officer was negligent because the payment history was disclosed to him pretty early in the process. He requested I pay for an appraisal at a cost of {$500.00}. He knew that the loan was not possible due to the late payments. I was not sure how this affected the transaction. The mortgage was not in my name, he is the trusted professional, not me. I counted on his expertise in this matter. I have had 3 different appraisals since XXXX of XXXX ( Mortgage 1, Caliber Loans, and XXXX XXXXXXXX XXXX XXXX ). Caliber Loans is the only financial institution to charge me an appraisal fee. I strongly believe Caliber Loans should return my appraisal fee because they ordered it knowing the loan would not proceed due to late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
Emailed them regarding the information and information still showing on my report that affects my credit score.

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 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX  ( Orig Cred : XXXX XXXX XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.

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