vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Credit Co. had opened an account under my name on XXXX without my authorization. On XX/XX/21 I received my Credit Report from XXXX and I noticed a credit card account was active under my name and SS. I contacted Capital One and after more than 2 hours of waiting on the phone, Mr. XXXX ( ID # XXXX ) tells me that he had no idea how this account was opened. I believe this account was opened fraudulently by the Capital One organization, and they must be held accountable for their fraud action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Payments made to the retail store Raymour & Flannigan were not received in time because the Payee name and address on the statements received is not the same as the the actual bank Payee address ( TD Retail Card Services ) which was anywhere indicated ob the statement. 
See Attached submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have placed the buy transaction ( $ XXXX ) on Coinbase pro which I have canceled after sometime but did not canceled for quite sometime. I have tried multiple times to cancel but got error " no order exists ''. It got executed after 15 mins of cancellation in mean time I have sent a message to company that not able to cancel my order please help but did not get any help. After buy executed, I have tried to sell all but I don't see all quantity in my account. It is very weird that price going up and down, my balance is also going up and down but can not sell it. While trying to sell Crypto currency it is showing no balance in my account. I would like to compliant about Coinbase Pro as that is my money and not able to sell it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been trying to get inaccurate and untrue information off my credit report since XX/XX/2021. I have sent in letters dated XXXX, XXXX, XXXX, and XX/XX/2021 and the only one that has removed my information is XXXX. I have received no replies from anyone else. This is a violation of the FCRA. They have had more than 45 days to remove.

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 2021-10-27 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report. I received a letter from XXXX report # XXXX, showing that Portfolio Recovery Associates was deleted from my credit report. I checked my credit report and Portfolio Recovery Associates still show as a negative item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted all three XXXX, equifax and XXXX. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax and XXXX hasnt updated my credit since XX/XX/2021 Equifax still has old information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NJ

Complaint narrative:
I have been trying to get inaccurate and untrue information off my credit report since XX/XX/2021. I have sent in letters dated XXXX, XXXX, XXXX, and XX/XX/2021 and the only one that has removed my information is XXXX. I have received no replies from anyone else. This is a violation of the FCRA. They have had more than 45 days to remove.

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 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have two business accounts and one personal account with American Express, all accounts are in good standing, American express cancelled all of my accounts, because they said I was verbally rude to there representatives, I have never been rude or abusive, I have 3 other people who have access to my accounts, and I asked them to let me listen to the conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Pentagon federal credit Union ran my credit and I never have applied for a credit union. I live in Arizona there isnt one here. Someone is using my social security number

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 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: eMortgage Funding LLC
State: MD

Complaint narrative:
Below is my email to the company as the officer refused to continue talking to me on the phone to resolve the issue. 
Dear Mr. XXXX : On XX/XX/XXXX my husband and I signed a legal document provided by a Notary Officer from your company on the agreed terms of our loan to refinance our property at XXXX XXXX XXXX, XXXX, XXXX as discussed over the phone with an interest rate of 2.25 % for 15 years. This rate was locked and we had a plan to close at the end of this month. On XX/XX/XXXX your office called me that we will be closing on Monday XX/XX/XXXX and I demanded for the final documents to go over it before Monday. When the document was shared, I noticed that the rate was changed from 2.25 % to 2.27 % with no prior information. I informed XXXX about the new rate and he promised to contact you to find out what happened. I never heard from you or XXXX regarding my concerns, even in exchanged emails regarding the other property which will be a different topic, I continued to ask for explanations which you never put down in an email except for the XXXX documents asking us sign. Today, XX/XX/XXXX, I called you regarding the Closing and the interest rate that was changed, your explanation was that the lender/underwriter changed the rate when my loan was presented as a second rental property ( which you have all the details ) prior to providing us with the rate of 2.25 %. I told you that this was illegal practice because as long as my rate is locked, a lender can not change my rate as long as we closed at the agreed upon date. 

As soon as I told you the illegality of your action, you decided you were not going to continue to discuss with me over the phone not to implicate yourself and went ahead to void the XXXX. 

At this point, I am asking you to follow due process to reinstate my loan terms as agreed and take me to Closing by the end of the month. I have also copied the Consumer Protection Office of my county to seek a mediation first before any other legal recourse because I believe this is a federal crime. 

Many thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CO

Complaint narrative:
I co-signed for an auto loan with my son on XX/XX/2021. Before going to the dealership, I had approval from my bank, and they confirmed they'd be able to pull that authorization and deal with the bank directly to finalize the loan. While we were at the dealership awaiting the paperwork, my phone was going off with multiple e-mail credit inquiry notifications. 

I panicked and asked the salesman why this was happening, as I had approval from my bank and didn't authorization any additional credit pulls. They assured me they were only checking with XXXX XXXX to see if there was a better rate available and not to worry, as by law these would all show up as 1 credit pull. I was surprised to find out last week that my credit report now shows multiple credit inquiries, which doesn't look good to any future potential creditors if I intend to do any more financing and furthermore impacts my line of work, as many of the contracts rely on clean reports on the soft pulls. 

I went into the credit reporting agencies to find out how to dispute these and have to mail them complaints as well as file it here, which is terribly time consuming.

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 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial has called my grandmother & I on multiple occasions to collect debts in which we do not owe! My sweet grandmother is currently on bed rest with a XXXX XXXX from XXXX and I do not appreciate this company bothering us with unnecessary calls! The lady who called me had an unpleasant attitude when I answered the phone and had an even worse demeanor when I inquired about her identity. She proceeded to ask me if I knew the whereabouts of XXXX XXXX. This a violation of Title 15 U.S.C. 1692c ( b ) ( Communication with Third Parties ) because I have not, nor has my grandmother, consented to or authorized any form of communication with OneMain Financial. Mr. XXXX surely did not list our names or phone numbers as a references for this company to contact so I would like to know how and where they retrieved or phone numbers. After I asked the lady to identify herself again, she hung up on me without answering my question and that was a violation of Title 15 U.S.C 1962b ( 1 ) ( Acquisition of Location Information ). On XX/XX/2021, I managed to capture a screenshot of one of the calls from OneMain Financial and I will attach that photo with this complaint. According to Title 15 U.S. Code 1692k ( Civil Liability ), the debt collectors who call our phones are violating two of our rights in Subchapter V. ( Debt Collection Practices ) and should be held liable for damages! OneMain Financial Group LLC is also not registered in the State of Florida with the NMLS which is a violation of Title 12 C.F.R. 1008.103 ( Individuals Required to be Licensed by States ), so there is no way I am going to tolerate such behavior from this business!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: MD

Complaint narrative:
somebody opened account in name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates
State: IA

Complaint narrative:
Approximately 2 years ago, a company called SG Associates, also doing business as the Stafford Group on Credit Report began contacting both myself and my parents. This was regarding a vehicle bought by my ex-wife using false means in XXXX that I can not prove. Anyhow. The original loan was through XXXX. She paid for this vehicle using my VA benefits, which she had full access to. When I divorced her in XXXX, she was no longer on my benefits anymore. For almost two years, she lied and said her parents gave her said vehicle. Anyway. I was not contacted by these people for over 3 years. My credit counselor told me to let this debt drop off of my report. Stanford Group said they were attorneys. Threatened lawsuits, and also said they could call anytime they want. Anytime I have tried to dispute, I have NEVER received paperwork, but the consumer reporting agencies, buy their act. I never get to see why! I want them off and this company penalized!

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted all three XXXX, XXXX and experian. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX and Experian hasnt updated my credit since XX/XX/2021 XXXX still has old information on my credit

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 2021-10-27 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: NV

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I co-signed for an auto loan with my son on XX/XX/2021. Before going to the dealership, I had approval from my bank, and they confirmed they'd be able to pull that authorization and deal with the bank directly to finalize the loan. While we were at the dealership awaiting the paperwork, my phone was going off with multiple e-mail credit inquiry notifications. 

I panicked and asked the salesman why this was happening, as I had approval from my bank and didn't authorization any additional credit pulls. They assured me they were only checking with XXXX XXXX  to see if there was a better rate available and not to worry, as by law these would all show up as 1 credit pull. I was surprised to find out last week that my credit report now shows multiple credit inquiries, which doesn't look good to any future potential creditors if I intend to do any more financing and furthermore impacts my line of work, as many of the contracts rely on clean reports on the soft pulls. 

I went into the credit reporting agencies to find out how to dispute these and have to mail them complaints as well as file it here, which is terribly time consuming.

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 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: WA

Complaint narrative:
I have made 14 payments to my mortgage company, Cornerstone. All 14 payments were made out to Cornerstone, sent to the same address, and have all cleared. Cornerstone shows only 13 payments. I've supplied the proofs of payment on every single payment. The payment that is missing is the one I paid on XX/XX/2020 for {$2900.00}. I've contacted XXXX XXXX, Sr. Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc. for help. She says in her research, the missing payment was found but told me no more except to call XXXX for more information. In calling that number, I spoke to XXXX who has no record of the missing payment. As well, my on-line payment history with Cornerstone 's website does not show the missing payment. I have paid Cornerstone {$2900.00} which they have kept without crediting my account and now the representative is claiming the problem is solved despite all evidence showing that nothing was solved. 

This is the contact information for XXXX : XXXX XXXX XXXX Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc . 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in 2018. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my Equifax account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Medical collections company have violated my HIPPA rights. No HIPPA form was signed for this collections company to access my medical records. And this is a violation.

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