vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. 
I AM A VICTIM OF IDENTITY THEFT. I DONT KNOW WHAT ELSE TO DO. SOMEONE STOLE MY IDENTIFICATION AND DESTROYED MY LIFE. THIS IS A VIOLATON THAT THEY WERE ABLE TO DO THIS TO ME. THESE ACCOUNTS NEED TO BE REMOEVED FROM MY PROFILE. THEY ARE CAUSING ME SO MUCH HARDSHIP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
wrong info : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. 
I AM A VICTIM OF IDENTITY THEFT. I DONT KNOW WHAT ELSE TO DO. SOMEONE STOLE MY IDENTIFICATION AND DESTROYED MY LIFE. THIS IS A VIOLATON THAT THEY WERE ABLE TO DO THIS TO ME. THESE ACCOUNTS NEED TO BE REMOEVED FROM MY PROFILE. THEY ARE CAUSING ME SO MUCH HARDSHIP

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 2021-04-28 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX regarding a dispute I submitted to XXXX related to late payments on my credit report. As well I inquired about my credit reduction in XXXX. The XXXX XXXX representative could not find any logical reason why my credit was reduced in XXXX from {$1200.00} to {$400.00}. I was told that XXXX XXXX no longer had a file of my payment history. I was informed that the payment history was provided to XXXX When I submitted the dispute with XXXX I am informed that they would need to contact the creditor. At this point, I feel as a consumer I am being mislead about who maintain my payment history. 

In XXXX The Home Depot adversely effected my credit. My credit score decease to XXXX from XXXX. It has been a long road to build my credit back to credit worthiness. Three of my credit cards were closed and two reduced because THD, in my opinion, reported I was severely negligence on my payment of {$120.00}. As I reported in dispute in XXXX my line of credit with The Home Depot was {$3000.00} ; however, I paid my balance of {$120.00} after my credit line reduce to {$500.00}. Then I instructed them to close the account because I did not see myself as a valued customer. Then, I received closure letter from other accounts that I was in very good standing and the account had no outstanding balances. 

To this day, I still believe The Home Depot reported my credit worthiness as poor. Again, none of the creditors were able to logically inform me why they reduced or closed my accounts. As a struggling working American I only have my name and integrity to repay in good faith my credit. I feel as if I am " getting the round around. ''

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
My roommate and I moved into the apartments at XXXX of XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: SC

Complaint narrative:
On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I submitted a public service loan forgiveness employment certification form to FedLoan on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. I received notification that the process of confirming the eligibility of my employment would take approximately 30-90 days. I web-chatted with FedLoan a few weeks after submitting my form and was told that it had to be reviewed by " FSA. '' I contacted FedLoan via email on XX/XX/XXXX and was told that no updates could be provided concerning the review. I submitted another employment certification form on XX/XX/XXXX that certified my employment with the Federal government for the period of XX/XX/XXXX to XX/XX/XXXX. Shortly thereafter, FedLoan updated my qualifying payment count to show months of XX/XX/XXXX and XX/XX/XXXX as counting, but payment months of XX/XX/XXXX through XX/XX/XXXX continue to show as " employment not certified. '' I contact FedLoan via email on XX/XX/XXXX to inquire about this and was provided no information or explanation. Thereafter, I wrote to the Department of Education 's FSA Office for assistance and they forwarded my inquiry to FedLoan. When I have spoken with FedLoan about the issue, they have pointed to the FSA Office and advised that no updates or timeframe for a resolution can be provided. As of now, it has been more than 90 days and this issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: IN

Complaint narrative:
I got locked out of my Binance.us account on XX/XX/XXXX. I send all the documents they requested and it has been over a month now and I haven't gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently changed computer/browser and was asked by Capital One to confirm my identity. I was presented with 3 questions/challenges pertaining to personal/financial information they would use to confirm my identity. None of the answers matched my identity, however, they did match the identity of another individual XXXX XXXX XXXX, XXXX XXXX who was erroneously added to my credit report by XXXX XXXX XXXX. 
I answered the questions with the alias 's information and was allowed in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
I ordered items from XXXX on XX/XX/XXXX XXXX {$120.00}. I have a Direct Express text alert setup on my phone. The charges on XX/XX/XXXX kept popping up individually for things I ordered on that day. Then today XX/XX/XXXX another {$120.00} was charged to my card XXXX same thing ) I have been double charged. Also I have unauthorized charges from XXXX totaling up to {$39.00}. I was only refunded {$19.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have 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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I reached out to Venmo 4x in regards to my funds being unattainable and 2 out of 4 I was hung up on and received no help or reasons as to why I wasnt able to withdraw my funds from my own account. Ive sent multiple emails and all I get is the same automated message in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have NEVER had an account with Resurgents. I have sent several letters asking for proof. They have never sent proof or evidence of my owing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: LEXISNEXIS
State: WI

Complaint narrative:
Related to case # XXXX Although the resolution for my dispute was to remove the satisfied judgement from my record, the same judgment appeared 3 times on my report and LexisNexis only removed 1. I called daily throughout the 36 days it took to receive a resolution, and multiple times the reps assured me that all 3 instances would be removed since they have the same case filing number. Now LexisNexis is stating they 30 days for the resolution though it's the same piece of information they've already provided a resolution for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
applied for refinance with current mortgage company, did not receive required Loan estimate with time period required

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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.

Complaint narrative:
Hi, I am writing to report an unauthorised block of my account from Coinbase Inc., headquartered in XXXX XXXX, California, United States. 

Coinbase has suddenly put my account 'under review ' and blocked my account from trading/funding/withdrawing without any prior notices since XX/XX/XXXX. I have sent a number of support tickets to Coinbase, however, I only received automated responses from them that asked me to wait. There is absolute zero transparency in terms of what they are reviewing. I have been a fully verified customer since XX/XX/XXXX. Moreover, they reviewed my account in XX/XX/XXXX and completed the activity. The fact that they are blocking users from trading and accessing their funds can somewhat be regarded as a market manipulation activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I believe that do to my senior age and veteran clearly discrimination. Falling to honor there promising XXXX and XXXX house payment home appraisal quicken loans as failed to go thou with loan should fallow thou with promises {$3.00} XXXX dollars a year for 30 years.This complaint is about Quicken Loans primmest me XXXX and XXXX house payment plus to have a lower interest rate plus to save over, I was told I was approved for the loan did all the paper work via e singular went all the way up to closing. And has failed to tell me why. 

Quicken Loans www.quickenloans.com Visit site Thank you for working with us! 
XXXX / Inbox XXXX XXXX from Quicken Loans XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XXXX XXXX Solution Consultant XXXX Phone : ( XXXX ) XXXX ext. XXXX Fax : ( XXXX ) XXXX ( Please reference your loan number on the cover sheet ) NMLS # XXXX XXXX XXXX XXXX would like to start a support session with you. To do so, please click on the link below and follow the online instructions. 

XXXX XXXX XXXX  XXXX Quicken Loans remote support enables a team member to view your screen in order to assist you. Session traffic is fully encrypted to protect your system 's data. Once a session has begun, you will be able to end it at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - AUTO FINANCE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
Wrong info : fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation