vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
the original amount was {$190.00} which was charged on XX/XX/XXXX i requested a fraud alert on my bank account because i didn't know where that money was being pulled out from then i received a call from the debt collector saying the amount was doubled the original amount plus the money the bank " took from them '' which was mine since it was taken out of my account first, once i knew why the money was being taken i cancelled the fraud but i keep receiving constant calls saying the amount due to pay is {$390.00}. other than that when i cancelled the fraud the balance of {$190.00} was payed in full it shows in my credit score that it has been payed but the debt collector still harassing me through constant phone calls when the debt has been payed in full already. also when i spoke to the agent collecting the debt they told me the collection charge was going to be lifted which haven't done since XXXX because they keep saying the balance due is over {$300.00} should I filled a lawsuit against the XXXX? what should I 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 2021-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: KY

Complaint narrative:
Received a collections bill that I know nothing about.. have never received a bill and the company said it dates back to 1996.. company told me to call you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: HI

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: MD

Complaint narrative:
Several times in the last 2 years, EXPERIAN has dropped my credit scores when absolutely nothing has changed or according to credit score criteria my score shold have increased. EXPERIAN has been aggressively pushing an invasive program called EXPERIAN BOOST for the last 2 years at least which allows EXPERIAN to gain access to your Checking/Savings accounts in return for a possible score increase. At the very least 2 times in the last 2 years EXPERIAN has dropped my score when the criteria indicates a score increase or at the very least no change at all. 

Both XXXX  and XXXX have increased or left alone my scores during the times of EXPERIAN dropped my scores. 

The only difference is that XXXX  and XXXX  have not offered a BOOST type of privacy invading program. 

Experian may as well just accept money to increase your scores. But that doesn't happen does it ... YET?!?

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I received a notice of attempt to collect a debt, in the amount of {$16000.00}, original creditor XXXX XXXX  XXXX. I called XXXX XXXX  and they had no information. I called synergetic Communication, Inc XXXX, spoke with XXXX, XXXX not sure and he said all he has is account opened XXXX and last activity was 2002. This isn't showing on my credit report. He said he was contacting XXXX XXXX XXXX XXXX, for them to send additional information. Even if my last activity was in 2002 it's past the statute of limitations to collect. I have never had a credit card with a high balance, so I'm confused. If this is for a car then they need to furnish proof that I in fact signed for that. Please help me. I suspect something shady is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Hi, I'm attempting to make an additional payment on my Synchrony CareCredit Card and the website will not allow me to log in to do so.

I contacted support via the " chat with us now '' option and she was unable to provide any kind of assistance other than to call an 800 number - which I will not do because of excessive hold times.

I keep track of my user names and passwords in an extremely methodical way ( I'm a website developer ) and know that my user name and password should work as they have not been changed since my account was set up last year.

To this point, payments have been coming out electronically, but I would like to pay more on the card to avoid high interest payments when my zero interest time period ends in XXXX. 

When asked to leave a survey after speaking with chat - I did so and I got an error that it wouldn't accept my feedback ( I have a screenshot ). Further - when trying to recover my account information, I was given error messages at every attempt ( I have a screenshot of this, as well ).

It very much appears that I am being kept out of my account intentionally so that I can't make additional payments and so that they can use that to their advantage when my zero interest time frame ends. 

I would like to know why their website doesn't work. I should be able to access my account as I like and make payments thusly. 

This appears to be a fraudulent attempt to sabotage those efforts and I would appreciate an investigation and a remedy. 

Thank you for your time and attention to this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: KY

Complaint narrative:
I logged onto eToro website in order to buy some crypto currency. After trying to get the account set up and working I tried to cancel the account because the currency I wanted to buy wasn't available. After that date eToro tried two more times to take out the original authorized {$200.00} dollars. After the final attempt I had to call my bank and stop payment. I then received a letter from XXXX XXXX XXXX saying they were turning me over to collections for the original {$200.00} plus {$50.00} for a returned item fee. I have tried numerous times to call this company and only receive pre-recorded messages directing me to their non user friendly website. I am not using this companies services and want nothing to do with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Received a letter for Huntington bank that they are closing my account and terminating their relationship with me. 

They will not tell me why but I believe that they are closing my account bc of XXXX merger. 

I plan to get an attorney involved if I am not given credible information regarding the closure of my personal checking account, my husbands checking account and our business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
I previously disputed a XXXX  XXXX XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your Experians claims that theyve investigation this item. On my last certified dispute letter to Experian dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof but theyve already closed the case and marked it as updated. Experians claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Experian should delete this negative information. It has been a terrible experience dealing with Experian. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. See Attached

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 2021-03-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
2 weeks ago someone. ( I had card on me while time ) withdrew from XXXX XXXX ATM XXXX dollars I was not in area I already lect there and was. Buying stuff. Across town town. Called BofA. nd told them.wS told I ten says I wohld have a xredit. During investigation I also verified my identity. At edd ths sMe day i reported to BofA they also snt me a nea card as soo. As j called the XXXX zaid it aohld work and I get notice in miso about credit. Then i callex ten days. my card. activation. Would not work then that st i was told that guy did t sY that my account was frozen and I need to ... .. Which i did all they asked and they zaud they cant turn on to wait. And. Areprt report the .missing XXXX dollars after the card turns o. To call them black but they zId they cant do anything. And all the breaking of the contract. Terms and condition.

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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
I am seeing on my credit report a collection from ML Zager of the amount {$1800.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
We paid off our mortgage with Huntington Bank XX/XX/2020. We did not receive our 1099 by XX/XX/XXXX. It was not available on the website, so we called XX/XX/XXXX. We were informed that it would be mailed to us. As of XX/XX/XXXX, we still hadn't received it, so we call back. They inform us that there is nothing that they can do and that they can just tell us the information over the phone. They are unable to upload the form to the website nor overnight it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CBC Companies, Inc.
State: TX

Complaint narrative:
My problem is back in XX/XX/XXXX Factual Data ran three separate hard inquiries three separate times in the same month of XX/XX/XXXX for me to try to qualify for a mortgage through XXXX XXXX. 

What happened is I now have a total of nine inquiries ( 3 per bureau ) instead of them being considered as one inquiry per Buereau which artificially inflates the quantity of inquiries by 9 overall instead of one time per bureau for a total of 9 inquiries.

So I keep getting denied credit for a mortgage or credit cards for having to many inquiries. 

On XXXX XXXX, XXXX our home was damaged by the tornado on that date in XXXX TX and we needed the loan for repairs. 

XXXX XXXX required a middle FICO score minimum of 680 and I had a 679 and they refused to waive the one point. They insisted these hard inquiries would be considered as one hard inquiry per Bureau. 

So our home almost a year later remains unrepaired because I still can't qualify due to the amount of inquiries and they say they can't ( wont ) request the correction. 

Factual Data tells me they won't request a correction either. The pulls are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Please help as our livingroom exterior wall and roof are exposed to the elements ( roof is tarped ) and I can't qualify for the financial resources for repairs.

Appreciate anything you can do for Factual Data to do the right thing. The reason for pulls given by Factual Data in my credit reports is only listed purpose as for a mortgage to only XXXX for all 3 times but XXXX  counts them as 3 times, not one anyway.

Factual Data listed the pulls for the other two bureaus as Miscellaneous Rplg. Agencies. Not as being for a mortgage.

Please Help. We suffered in the home with 8 degree Temps during the recent Freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/21 my coin base account was hacked for a second time. I tried all the measure needed by contacting coin base, resetting my account password and and waiting for a email. I try to reach out to coin base several times since this incident happen. I received a email stating that someone would reposed to me in 4 to 5 days ( twice ) and I have not received any email of any support team. The last email I received from them stated that this account was closed but no one had even contacted me to get this issue resolved completely. This has been going on for 32days an I am ready to discontinue my services with coin base but no one has even sent me a email or confirmation to get back into my account to do so. I do have shares on coin base worth 300 if not more at this time. This has been extremely frustrating and I would like to get this over with and use a reliable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I have been calling to get my account and credit updated at Carrington Mortgage Services. My account had been in forbearance, but I have been trying to get it removed since early XXXX. First, I was told it would automatically end and I could not end it early. Then, after weeks of calling because the forbearance was still showing, I was told that it would not end unless I paid the back due amount. So I paid the back due amount, and my account still has not been removed from forbearance and my credit report has not been updated. Every time I call I am told something different and it never matches up. I have dealt with many banks for many reasons and this is by far the worst one I have ever been forced to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX  job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your XXXX and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of XXXX and discrimination.

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