vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

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 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
COMMONWEALTH FINANCIAL added 2 accounts ( XXXX and XXXX ) to my report this morning and i am livid ... ..I never received a dunning letter from this company and this was added to my report without warning ... I know my stuff and know that this is a violation of my rights..I am supposed to receive a dunning letter which i never did ... I know why they added it quickly with no notice ... .A mortgage report was pulled on XX/XX/XXXX which i was prequalified and here we are on XX/XX/XXXX with these 2 accounts added illegally. I want these removed immediately as this was a violation of my rights. 

Not only is this a violation but they can not validate this debt as I have always had great medical insurance and am in the medical field and know how insurance works. At one point a collection agency by the name of XXXX XXXX  owned these accounts. I asked them to validate these accounts and they absolutely could not validate them and removed them from my credit reports ... How can COMMONWEALTH FINANCIAL validate them when all that they did was purchase these debts ... they got suckered into buying these as they can not verify nor validate these debts ... .I am in the middle of purchasing and these violations are killing my score and chances ... If these are not removed immediately i will be sending this to a consumer attorney to file suit as well as contacting the state attorney general in my state and whatever state COMMONWEALTH FINANCIAL is in

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: OH

Complaint narrative:
The Consumer reporting agencies have stated that you never submitted the request to remove your account as you stated it was done ( i have proof ). I dont apprecite being lied too. please send the request and attached the proof. You have three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you

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 2020-10-19 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: OH

Complaint narrative:
I have contacted Equifax a few times to solve this issue and they have not solved this, i keep getting the runaround i need this fraudulent inquiry off my report i did not authorize lowes or anyone to apply for a credit card in my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The terms and conditions changed regarding removal of PMI. It was XXXX and now XXXX to remove the PMI. Bank of America can see this in the letters we received for the same request to remove the PMI. XXXX letter stated XXXX in XXXX. The new letter stars XXXX to remove the PMI even though the market say the property value is XXXX more than the appraisal.

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 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 near XXXX  I came across XXXX XXXX XXXX website. It said they can check your rate with no harm to your credit score. I submitted and not even two minutes passed before I received notification that my transunion score had change because of a hard inquiry from said company. I tried to phone them immediately but got recording they was closed. I phoned this morning to no avail can't get a human agent.

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 2020-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I initiated a dispute with Experian for a collection account with a collection agency by the name of XXXX XXXX on XX/XX/2020. The dispute results shown that the account was deleted from my credit report dated XX/XX/2020. After reviewing my credit report on XX/XX/2020 I noticed the account was re-inserted and was not given notice of re-insertion of the unverified, erroneous, inaccurate and/or incomplete information being added back to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I am receiving harassing calls multiple times during the day from XXXX which then asks me to call XXXX. I called and tried to ask what the debt was for but they will not give me any information unless I give my personal information. I filed chapter XXXX bankruptcy and the rep refused to acknowledge or take my case #. I have no debts since my bankruptcy was XXXX. This creditor was included in the creditor XXXX  and bankruptcy filing case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
The XXXX reporting agencies have stated that you never submitted the request to remove your account as you stated it was done ( i have proof ). I dont apprecite being lied too. please send the request and attached the proof. You have XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Message : Hello! I am bringing to your attention my case against coinbase.Basicaly i have both wallet and main account with them.I hold some cryptocurecies with them witch i hope of some profit later in the years to come.Reason i have contacted you is because i transfered some funds from my coinbase wallet to my coinbase main account and the money never reached my account and my wallet is empty ( had an error due to some sort if miner fee, and after the coinbase customer support advise to unistall and install the app again the funds gone missing ) I tried to contact coinbase and they gave me a ticket number but instead of giving me my money back they refused to respond my emails.Please find bellow the case refference number from coinbase : Case # XXXX - transferring funds from Coinbase wallet to Coinbase I belive you are the most appropiate institution to speak in order to get my funds back! 
Thank you for your time reading this, and looking forward to your reply!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received an income execution from the Supreme Court of the State of New York County of XXXX. The creditors are Midland Funding. At no time did I receive any warning or was I ever notified that I was being taken to court for this. I had no prior notice of this until I was sent the income execution in the mail. Further more, I went on to can you help methe Midland Funding website to check the bill and I see payments have been paid on this account as recently as XXXX of XXXX. I did not make these payments as I did not know about this outstanding bill from XXXX. I never received notice of their intent to sue. Furthermore I am asking for a fraud packet and am getting a run around. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: LEXISNEXIS
State: MN

Complaint narrative:
LexisNexus is advertising as a consumer credit reporting agency, selling & sharing personal information that has not been authorized, is unsubstantiated, inaccurate personal information, which adversely affects the ability to work , drive and is personally causing monetary damages as a result of the inaccurate data theyre collecting from insurers who are obviously submitting inaccurate information ; which affects insurance score & is a complete conflict of interest and unethical. 

What is the insurance credit scoring method, who authored XXXX insurers, who report inaccurate information for their profits ), how long does it effect a consumers credit score, how can a consumer improve an insurance credit score? 

Inaccurate information reported by insurance companies is acknowledged by insurers to an insured then insurers refuse to tell you what data information collected and incorrectly reported is LexisNexus ( possibly other data collectors-not disclosured to consumer ) refuse to correct the inaccurate information that insurers have knowingly, incorrectly reported/shared unauthorized, unsubstantiated information. Insurers will not provide the proofs necessary to correct the inaccurate information/LexisNexus credit report. I reiterate complete conflict of interest for the consumer, completely GROSS profit to insurers with literal net losses for consumers. I am NOT a customer or Consumer of LexisNexus, they request personal information to be shared by you to correct, incorrect information provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I agree the two settlements were done per your response, but you are still reporting balances owed. Since these accounts have been settled the current balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
This account is involved in litigation : XXXX  XXXX. Please delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Representative gave false and misleading information about a promotional transfer for a 0 % promotional offer for {$10000.00} for which I paid a {$400.00} fee. The company refunded the improperly charged interest, however they did not refund the fee. In addition I have requested that the company refund the amounts that would have accrued to me under the XXXX XXXX card. 

We want our {$400.00} fee back and the amounts that would have accrued to our mortgage if we did not have to close our mortgage Several complaints were filed and improperly closed until the fraudulently charged interest was refunded under case number # XXXX. 

The XXXX fee has not been returned and the cash back amounts have not been refunded. A new complaint for these reimbursements has been filed under case # 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 monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to obtain my free credit report from TransUnion. Apparently I accidentally signed up for some sort of monitoring service. I notified Transunion of my error on the next business day and they refused to reverse the charge. Why is one of the credit report companies taking financial advantage of errors made by customers who are forced to use the services of these companies?

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 monetary relief
Consumer complaint received 2020-10-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Several months ago, I began receiving from Chase billing statements for a credit card that I did not recognize. I contacted the bank immediately to let them know that there might be a mistake - that somebody might have opened the credit card account in my name without my knowledge and consent. Was advised to refer this matter to their ( Chase ) Fraud Department for investigation. It was also recommended by the Customer Service specialist I spoke to that I make a payment on the disputed card/charges to prevent additional penalties from accruing while it is being investigated. As was suggested, my husband remitted to the bank {$110.00} on XX/XX/2020 to pay off the credit card while under investigation. Two days later, after making the payment, I received a letter from the Chase Fraud Department, informing me that they have completed their investigation and that they found the credit card to have been opened without out my knowledge and therefore not liable for it. Based on this letter and the findings of their Fraud Department, my husband wrote 2 letters to Chase, through their Customer Service Department, for the return of the {$110.00} that was paid to them on XX/XX/2020. The letters were mailed and addressed to the bank 's Customer Service Department at XXXX. XXXX, in XXXX, DE XXXX, on XX/XX/XXXX and XX/XX/2020. No response has been received from Chase to date. Request your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is involved in litigation : XXXX  XXXX. Please delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is involved in litigation : XXXX  XXXX. Please delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd.
State: ID

Complaint narrative:
There is a woman who calls me over and over leaves threating messages that she is going to locate me, call my employer ( which they did ), has contacted my family and friends telling them these same threats. I get multiple calls a day from XXXX & XXXX. THE XXXX phone number never tells me where shes from just that she is location services. The XXXX number wont tell me who they are either and tell me the person calling from the XXXX phone number is the XXXX county clerk and I have verified that they arent. The XXXX number wont tell me who they are or provide me with any written documentation. I called an attorney office who contacted both numbers and they said it was a scam and to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have no knowledge of this debt. Please delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX  XXXX  '' insurance ID XXXX. After a while, I received a bill from the hospital for {$1200.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$1200.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I agree the two settlements were done per your response, but you are still reporting balances owed. Since these accounts have been settled the current balance should be {$0.00}.

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 2020-10-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I agree the two settlements were done per your response, but you are still reporting balances owed. Since these accounts have been settled the current balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
They hang up on you when they cant answer ur question. They need to update all fico scores for all credit reports not just XXXX  XXXX. Plus the score had been updated for 30 days 4 the last four years since having the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington bank reached out to me after they turned me into the credit bureau. I was 39 days late on a payment. This was the first time I was late and my account is now up to date.

Company response to consumer: Closed with explanation