vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Re : Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorizeXXXX XXXX XXXX XXXXF Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized COSUMERPOR Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
So I had XXXX total in various bitcoin through a company called coinbase. It was hacked on the XXXX in i believe may through my unsecured email account and half of it was stolen. I still have another XXXX  of etherium in my vault which could not be hacked into because i have a very secured protonmail linked to the vault. I have frozen the account almost 2 months ago and have made sure I secured all my ends but they have not unfrozen my account and ignore my dozens of emails. I have sent them My ID plus many other self identifying records. I actually have video of myself goin g through my account and showing exzactly whats in it as I have sent that info to my cousins prasing the wealth of bitcoin. Now I have nowhere to turn ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I have a BinanceXXXX account. I sold my crypto and deposited it into my bank account. I need a statement to provide to my mortgage provider in order to purchase a home. I can not print one. Their system will not let me. I have never printed one prior. I contacted customer service ( ticket XXXX ). It was very difficult to get response and it was taking extended time so I had to go on to XXXX and leave comments on their site to get response. I clearly explained the issue : I need a statement but your system wont allow me to print. It says I printed over 10 times when I have never printed any. They first responded with instructions on how to print. That was not the issue. Then they replied with you printed too many times. Again, not the issue ... as I never printed before. Then they offered to send a printed copy to my email ... for {$55.00}!!!!! This is supposed to be free for customers. I should not have to pay them for a problem on their end. Then when I went back to XXXX and posted what they did they blocked me and closed my case. 
Let me add, this statement is so important because it is the last document needed to obtain my home loan. I need to provide statement to show where my large deposit came from. Without this, I am at risk of denial for the mortgage. I have two weeks to be out of my rental due to it being sold. Denial will leave me homeless. Also, the people I am buying the home from will also be in trouble because they have quit their jobs and are waiting to move. So BinanceXXXX needs to realize a simple statement can mean more than they realize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
Account Name : DUVERA BILLING SERVI Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TN

Complaint narrative:
A former landlord mistakenly sent our account to collections. After multiple attempts on our landlord 's part to contact the collection agency to cease their attempts to collect the debt, we continue to get calls from the agency, including one just now where the agency called and hung up immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I've recently sent in debt validation request pursuant to the Fair Debt Collection Practices Act 15 USC 1692g to The Department Treasury collection company and TransUnionXX/XX/XXXX. Both companies TransUnion and Department Treasury has failed to validate the debt that is claim to be owed which is a violation to the FDCPA and FCRA.

Please remove any negative marks from my credit report as it is defamation of character.

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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
They called and told me all information without verifying they were speaking with the correct individual they gave information about the debt without giving the mini Miranda I have not received a validation letter when they called a week ago I advised I filed bankruptcy and not to call and now they called again using the same full disclosure without verifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Sequium Asset Solutions has repeatedly called me after I told them I would settle the account. After too many phone calls, I blocked their phone number. I was offered a settle via e-mail on XX/XX/2021. Once, I blocked their phone calls, they decided to report this account to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
After receiving the response from 5th 3rd bank stating that they needed more information to accommodate my XXXX. I contacted the bank the best way I could for equal access. I first spoke to XXXX, who indicated that since I had made a CFPB complaint she could not help me and that only persons who were not at work could help. She refused to serve me. She did transfer the call to XXXX, I asked XXXX what info they needed. She said they needed to know the type accommodation I was seeking. I told her " effective communication '' she said that I needed to be more specific, I tried to explain the difficulty I have with access but she refused to accommodate my XXXX and refused any process to figure it out. Instead she shifted the burden to me and told me I had to be more specific. I told her we could start at CFR 35.160. She refused to look it up. And refused to further the process to accommodate my XXXX. 5th 3rd bank also lied to the CFPB regarding the insurance requirements. They are now charging me {$2300.00} per year for insurance. They said they they are taking the insurance payments out of my escrow acct. In the end they hung up on me after telling me they would hang up on me. They refused to serve me at the time I needed and are still charging me for insurace on a home that burned down. I also no longer have access to my escrow for the home rebuilding. They have removed my access saying I can only speak to " XXXX '' yet my acct is at 5th 3rd. When I call the president office they do not verify who they are speaking to and make assumptions based on caller ID. Since caller ID can be spoofed, this compromises my security as it could be anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
After reviewing my credit report today XX/XX/21, I noticed Target  & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I been calling equafax regarding an account thats reported on my report everytime I work in to a dealership every dealership see it..but whe. I call Equifax they said its not showing on the file so they need to update so everybody else can see the same thing with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30days gives me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report shows two hard inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. They misguided me and I was merely asking for home mortgage interest rate and they could have given me a quote based on filling application and information and not pulling credit at all. So they asked me to fill application on XX/XX/XXXX which possibly pulled my credit and did not inform that they will be pulling my credit again. So the credit pulled by XXXX XXXX  on XX/XX/XXXX on credit report was not authorized by me as a consumer and I would like to dispute it and get my credit score back to normal. They don't believe the second pull is hard pull but they pulled my credit twice without my consent.

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 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I sent a letter to paragon revenue group on XX/XX/2021 asking for them to cease reporting until they validate the debts they claim I owe and I havent received validation yet and they are still reporting which violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get XXXX XXXX 

The following inquiries are XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I have disputed this collection company with XXXX, XXXX  and XXXX  that this company is fraudulent reporting this collection account to my credit report. I sent the documents to XXXX  that I asked for this company to verify the debt and documents given did NOT validate that I EVER had ANY ACCOUNT with this company but with another company. I need for this to be immediately removed for all of the credit bureaus listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
On XX/XX/XXXX I did a cash out on my XXXX XXXX of {$40.00} after their fee it was XXXX I believe to my current account it was supposed to be instantly deposited they didn't get instantly deposited couple days later XXXX XXXX gave me the feedback never received the money in my current account still have not received the money in my current account they say they know nothing of it XXXX XXXX I have stated it was confirmed it was sent it was received Visa confirmed it current does not want to give me my money or do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Asset Management Systems Inc
State: NY

Complaint narrative:
Fams called me multiple times without my written consent, they also didnt disclose who they were. They didnt provide verification of the alleged debt from XXXX and they passed the statue of limitations in NY. They manipulated me and used threatening language to collect the debt. I was scared and almost paid my last to have them stop collections. I wasnt aware I had the ability to dispute the debt or they had to provide verification of debt. As a Consumer I want to exercise my rights under the Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX Florida veteran who was recently declared 100 % XXXX by the XXXX XXXX and as such, I can apply for a waiver for property taxes on my home, with the exception of a fire tax of {$150.00} per year. I obtained approval of my exemptions from my county tax office and sent in their letter, dated XXXX XXXX XXXX with a request for an adjustment to my mortgage payments. I have made numerous calls to AmeriHome since then, to no avail. My county tax office was kind enough to write a second letter, dated XXXX XXXX XXXX reaffirming my eligibility for a tax waiver. I got a form letter, dated XXXXXXXX XXXX XXXX from AmeriHome stating that my request was forwarded to " the appropriate department for review. '' I made one last call in XXXX asking for an adjustment so that I could avoid making a complaint to a consumer protection agency, which seems to be my best resort at this time. No adjustment, no calls, no letters, no one taking responsibility. I have attached copies of pertinent documents for your review and would appreciate any help that you could give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$3000.00} that was financed by Synchrony Bank with a promotional 0 % APR offer until XX/XX/XXXX. 

On XX/XX/XXXX I made a purchase at a different store that used Synchrony Bank to finance another {$3000.00} that would provide a deferred promotion of 0 % APR until XX/XX/XXXX Synchrony posted almost all payments to the 1st purchase on XX/XX/XXXX which has a much long intro period. Meaning we could not utilize a promotional period unto XX/XX/XXXX on any of the balance. This was not disclosed to us and we would not have financed through Synchrony for the purchase made on XX/XX/XXXX knowing to avoid deferred interest both purchases would needed to be paid by or before XX/XX/XXXX Lastly, financing the purchase on XX/XX/XXXX lost me discounts on the purchase. It was an either finance or receive discounts. We financed to pay over 6 months but very low amount of payments were allocated to this balance

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