vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX0 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-16 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX MACYS with Account XXXX and a balance of {$5500.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC.
State: OK

Complaint narrative:
I stayed in the hospital for a period of time and was billed by several areas of the hospital. I was sent to collections with PASI who setup multiple payment plans over a 2 year period. After my debit card expired, we established a new plan for XXXX per month out of my husband 's checking account. 

Payments continued monthly until XX/XX/2021. We never changed the bank account or had a returned payment however PASI sold our debit to a new company and stated it was due to no payment being received. From XX/XX/2021 to XX/XX/2021, no communication was received asking for payment and no notice of the debt being sold was ever sent. 

I called PASI who said they were not sure why I was not advised or why I was ever transferred. The agent transferred me to Customer Service where I got a recording that their office had just closed 5 minutes earlier. The agent also advised that whoever answered could and would get me a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NJ

Complaint narrative:
Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX of 2021, a debt from XXXX XXXX appeared on my credit with a balance of {$260.00}, this debt has no account number, just a po box and a phone number. I made several calls to them and spoke with a young lady by the name of XXXX. I have been unsuccessful in rectifying this problem. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

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 2021-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I received a notification via several sources that there had been a hard inquiry on my credit report by JP Morgan Chase Bank. This was not triggered by any activity on my part. 

My biggest complaint is that when contacting this company about potential identity fraud, you are repeatedly informed that the only way anyone can help ( which they hardly do ) is if you provide your full social security number to them. 

This is a ridiculous request of someone who doesnt do business with your company and is calling only because they are concerned with potential identity fraud. There has to be a better way. 

Even after providing that, multiple times, against my better judgement over the past week and a half I have been : *Put on hold for over 30 minutes *Told I was getting transferred to someone that could help me and having the call just end/drop because that department was closed. Frustrating after spending an hour on the phone to get to that point. 
*Left a message for the first time by someone who is supposedly trying to help but the voicemail doesnt contain a name, reference number ( oh great I can provide my social again ), or even a number to call back to speak to someone in the actual department vs starting my adventure over all over again in who knows what department with someone who probably cant help me. 

Most of this I just chalk up to typical big corporation stuff, but please do something about the social security number request. That is a horrible situation to put someone in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to add my son to the family plan for several months after Equifax moved to myEquifax. I was told that I needed to send in documentation of guardianship. I mailed it in in XX/XX/2021 with certified mail ( received the stub ), but was told that they did not receive it. I then faxed it in in XX/XX/2021 and received confirmation that my fax went through, but yet again was told that my information was not received. I find it extremely disconcerting that a credit monitoring service that is suppose to monitoring and protecting my credit keeps telling me that my personal information that I have sent in is no where to be found in their system. Furthermore, every time i call, I am transferred to multiple people who do not seem to know what is going on. Today, I was transferred to XXXX different agents and was on the phone for XXXX hr XXXX minutes without any resolution. I am extremely frustrated and dissatisfied with Equifax 's service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
Experian XXXX and XXXX had all been told to contact me and did not.

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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP
State: CO

Complaint narrative:
Received a letter in the mail for Collections on a checking account. Debt to be collected was valid, however they are impersonating another collections agency. Capital Management Services is the correct agency, scammers also say they are Capital Management Services. They even have the same address. Contacted my bank for the valid collections company phone number. When I spoke to the correct collectors I asked plenty of questions to verify the letter I received was not directly from them. The website listed on the letter is XXXX  When I went to this page it stood out immediately as fraudulent. Capital Management actual website for collection payments is XXXX. It looks much more legitimate. Phone numbers were different between the two as well. The letter stated XXXX, Capital Managements actual number is XXXX. The letter also used a similar logo, but not the exact same as the actual Capital Management Logo. I believe that most people will try and pay online or over the phone, so it would be easy for these scammers to take payments. They also have access to personal information somehow to make it somewhat believable. If I hadn't questioned the validity of either, I may have not paid the right collector and lost almost {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent Transunion my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX PM. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA guess the company 30 days to respond. Its been over XXXX weeks since I sent my dispute, so they are well over there required 30 days. I thank you in advance for your assistance.

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 2021-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Champion Mortgage says my property insurance is in good standing @ XXXX dollars, yet I received a letter from Champion Mortgage that says they are going to foreclose because of my property insurance. Also, Champion Mortgage tells me to continue making monthly payments to eliminate the default balance. Champion Mortgage is accepting my monthly payments at the same time they are foreclosing on the default balance. This sounds like unfair double jeopardy and the foreclosure should be removed immediately. Yes, immediately, my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX I've been using coinbase for quite some time never had a problem until Sunday XX/XX/XXXX I made an attempt to purchase a XXXX XXXX XXXX in order to use this XXXX to purchase another XXXX on my coinbase wallet after several attempts the money never tranfered to my portfolio on coinbase under etherium at first I thought there system was down and if I gave them a while things would set it self straight I waited until the next day still no etherium posted to my portfolio I called the bank and several transactions were sent to coinbase that never show up so the bank reimbursed me and I had to go to the local XXXX  branch to to do a security transformation were they gave me a new routing number and account number ok now that was done I'm still not able to buy any XXXX on coinbase or tranfer money from my coinbase wallet which I have thousands of dollars connected with both coinbase and coinbase wallet tried many different ways to connect with coinbase only to be told things are in review I'm getting the run around need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I, The Consumer and natural person entered in this consumer credit transaction with XXXX XXXX JPMCB XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but JPMCB took cash. The finance charge is supposed to include insurance but i was forced to purchase insurance separately. JPMCB sends me billing statements and making negative marks on my credit file as if i owe an alleged obligation. However the billing statements come with a positive balance, and you can not pay on a positive balance. I am being violated by JPMCB furnishing certain deceptive forms pursuant to 15 USC 1692j, as well as false and misleading representations pursuant to 15 USC 1692e ( 2 ) ( a ). By doing so JPMCB has ruined any chance of me extending credit because of this and i can not buy a house or even get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I received two CITI/ XXXX XXXX XXXX credit cards for an account I did not open. One card in my name, XXXX XXXX, one in some other person 's name who I do not know, XXXX XXXX. I called CITI and closed the account over the phone. They started a fraud investigation today, XX/XX/21. The results are pending. My point in contacting you os basic notification

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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I was called by someone from Receivables Performance about a XXXX bill in collection. I told the person that it was the result of identity theft in the fall of 2020, and that police reports and FTC complaints had been filed. They then placed it with XXXX. I disputed it with XXXX, and they removed it. 

Today I received another call from Receivables Performance saying that he didn't think it was identity theft, and that I'd have to prove it. I asked him what else I could do to prove it, and he told me he did not know. 

I tried to contact XXXX  but there are no links or phone numbers to report fraud.

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 2021-11-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the month of XXXX, Experian moved my positive status of my student loans with XXXX XXXX XXXX and XXXX, placing 10 loans from each educational holder under my bankruptcy. Experian also reported all these loans as negative. I made three disputes online without them correcting the issue. I made contact with a direct agent on XXXX, who agreed that this was a mistake. The agent completed a dispute herself as I spoke with her on the phone. She apologized, stating she did not know why this occurred. All of my loans are in Income based repayment and have not been late with either. However, Experian has them listed under the individual loan holder and not the two companies that carry all of them together. I have mailed in proof as well without this being corrected. My bankruptcy has been finalized since XX/XX/2019 and at no time education was part of it. Experian had made this mistake and is furthering damaging my score monthly with their mistake in reporting. 
There is also a XXXX XXXX XXXX account in collections listed that was part of the bankruptcy. I have completed three disputes for this as well as sent the documentation to XXXX XXXX XXXX  and Experian. Experian is the only credit bureau I am having issues with in false reporting. Due to their mistakes, my home buying purchase has been halted. This is unfair because I have had no negative things on my report since bankruptcy. I have worked very hard to keep my credit in good standing and to have an agency not correct their error after all these attempts is frustrating. Please help me with 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 non-monetary relief