vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/2018 someone opened a fraudulent XXXX credit card in my name with a {XXXX} limit. They spent {XXXX}. They also used a fake address and misspelled my first name ( both of which I was able to remove from my credit report ). 

I filed an Identify Theft Report in XX/XX/2018, and have been trying to get this account removed from my name for XXXX  years. XXXX is still showing it on my credit report because XXXX still says that it was my card... even though it was not. I have disputed at least XXXX times, and nothing has been resolved. Most recently the account was " charged off '' but still shows as a closed account, with late payments and an outstanding balance. 

This is incredibly frustrating, and totally unacceptable.

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 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 at approximately XXXX EST, my Coinbase account was drained of funds. This was an unauthorized transaction. Coinbase support responded to my inquiry stating that it was my responsibility to protect the integrity of the security relating to my account. Further stating they were unable to help in any way. The amount of the unauthorized transfer is for : XXXX XX/XX/XXXX XXXX {$4200.00} XXXX XXXX Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NJ

Complaint narrative:
XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$570.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XXXX contacted coinbase wallet and I lost the money from my account. It was sent to an unauthorized address without my permission. They said that nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One credit card payment is usually due on the XXXX of the month. I made my payment to Capital one the morning of the XXXX but the statement said the payment was late and I was charged a {$40.00} late fee. I called and talked with XXXX and he advised that the fee could not be removed because the payment posted on the XXXX. I have included the statement and it shows that the fee was added on the XXXX. I like Capital one an I think that they are a good company. However, I am disputing the fee. 
I am requesting that XXXX correct the statement, remove the {$40.00} fee and also report to the credit bureaus the correct information that my payment was not late.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 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: VA

Complaint narrative:
XXXX and Equifax is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Kriya Capital, LLC
State: NY

Complaint narrative:
There were fraudulent accounts as well as an inquiry, XXXX wrong addresses and an incorrect name. 

ACCOUNTS 1. XXXX XXXX -DATE XX/XX/XXXX 2. CREDENCE RESOURCE MANA XXXX XX/XX/XXXX 3. XXXX XXXX XXXX - DATE XX/XX/XXXX 4. XXXX XXXX - DATE XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : 1. XXXX XXXX XXXX XXXX, NY XXXX 2. XXXX XXXX XXXX XXXX XXXX, NY XXXX INCORRECT NAMES : 1. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. 
Late Close : XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
My loan is with Loan Depot.XXXX weeks ago I spoke with representative XXXX XXXX and I thought that this was all taken care of. I made XXXX payments of XXXX on XX/XX/21 because the payment ( XXXX ) couldn't be found as they errored somehow. The account # XXXX which appears on my billing and the phone contact number XXXX sends me to XXXXLoan Depot should have corrected these errors. To make matters worse I am being billed XXXX which includes XXXX which after talking with Representative XXXX XXXX should not be appearing on my account as I never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My password book was compromised. The result was identity theft and most of my funds were gone. USAA was hanging up on me when I was trying to figure out what happened to my money. Then USAA told me various things such as " talk to your wife ''. This created a whole separate issue. After that I was told other false information. The USAA application stopped working and when it finally was working there were additional security measures which indicate that the bank discovered that someone other than myself was moving my money around. There are no recognized devices on my account now, which is inaccurate because I only utilize my cell phone to access my account. The bank representative that I spoke with about this matter told me that I can request IP addresses linked to my account and that he was mailing me such form. However I never received anything so I called to follow up. this time I was told that no such form exists. USAA is not helping me locate my money. In fact, it seems like they are avoiding responsibility for the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my XXXX XXXX has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please 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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my credit score has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: VA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Access Capital Services, Inc.
State: CA

Complaint narrative:
I had an old private student loan that defaulted in XXXX however the collection agency ACCESS CAPITAL is reporting it is a brand new collection from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
The person or company, Harris and Harris keep calling us by leaving a message for us to call them. They do this almost every other day and we have blocked their number yet they keep calling us from the same number that somehow becomes unblocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
XX/XX/XXXX My son went to emergency room. Physician filed with the wrong insurance. Sent them the right insurance information, even though it is on file with XXXX XXXX in XXXX Georgia. They filed with XXXX XXXX Georgia XXXX but did not do so in a timely manner. So they had to write it off per insurance company. They told me it was written off and that collections would be notified and taken off. As of today, XX/XX/XXXX ( over a year ) it has not been done. I have phone records that show numerous calls made to Georgia XXXX XXXX XXXX. Dates called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have spoken to XXXX several times, XXXX, XXXX. I have jumped through hoops to have this taken care of. The collection agency XXXX XXXX XXXX XXXX, XXXX, GA ) XXXX, told me I was a low life and I don't pay my bills and they will take it off when I pay the {$430.00} XXXX owe the doctor. I called them on XX/XX/XXXX ( XXXX ), XX/XX/XXXX. I will be happy to provide phone records to prove I have called. 

If I didn't care, I would have not tried for over a year to get the problem resolved. 

They are ruining my credit! I am paying more on insurance because of my XXXX XXXX. My family is on XXXX. I don't have the money to fight these people, so I am trying to find legal aid. Please help!

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 2021-11-19 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.

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 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/21 I received an ATM debit card for M & T Bank for me to activate to an account. I do not bank with this bank and did not open an account with them. I called the bank and asked them to close the checking account and to close off the ATM/Debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 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: CA

Complaint narrative:
I checked my credit report and saw that there was a credit card in my name from XXXX XXXX. It had been opened since XX/XX/2019. I became aware of it today. I called XXXX XXXX and they informed me there isn't an account under my name nor social.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
hi XXXXhas 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. XXXX 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 XXXX i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have negative inquiries on my credit. 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 XXXX step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX XXXX XXXX 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 2021-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have payoff mortgage loan in full in XXXX I received instructions from representative and paid off loan. Only to be inform today that there is a XXXX balance on loan that has acrued interest and also a default interest fee has been added totaling {$3200.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Wrong XXXX XXXX by hundreds of points XXXX getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine XXXX not getting any positive reports

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Wrong credit score by hundreds of points Im getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine Im not getting any positive reports

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 2021-11-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report and saw that there was a credit card in my name from Wells Fargo. It had been opened since XX/XX/2019. I became aware of it today. I called Wells Fargo and they informed me there isn't an account under my name nor social.

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