vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: NJ

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I began a course of treatment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wound, Ostomy, and Hyperbaric Center ( Center ). On that date, and subsequently on XX/XX/XXXX, I signed an " Authorization for and Consent to XXXX or XXXX XXXX XXXX XXXX XXXX' form. That form contained a notification that " independent medical practitioners '' would be submitting a separate billing for my treatment at the Center. XXXX would send billing for the use of the Center.. For services provided from XX/XX/XXXX through XX/XX/XXXX I received a separate billing from SAMC for use of the Center and a separate bill from the physician for the medical treatment. Commencing for service billings in XX/XX/XXXX through XX/XX/XXXX XXXX sent me combined billings for both the physician service and the use of the Center. My treating physician continued to bill for services separately, per previous practice. 

When I became aware of this change I contacted XXXX  in XX/XX/XXXX regarding this discrepancy. Over the intervening period I have had multiple contacts with XXXX representatives. In XX/XX/XXXX I was advised by the XXXX Risk Manager that she had authorized a correction after XXXX of our meetings, but that it apparently had not been implemented. 

In XX/XX/XXXX I was advised that my account had been turned over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: PA

Complaint narrative:
I, XXXX XXXX, Consumer and Original Creditor sent in an affidavit of fact to EXPERIAN regarding the information on my consumer report that violates federal law. There is still information till this day that is on my consumer report which still violates federal law and Experian is in violation of 15USC 1611 for criminal liability fir willful and knowing of false or inaccurate information reported on my consumer report. I will attach all violations in the documentation along with this complaint that I sent to EXPERIAN in my affidavit

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
not mine : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} XXXX XXXX XXXX {$0.00} Closed 5 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$15000.00} payment never late send proof or remove it : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$10000.00} {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Coinbase, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX the 2021, {$500.00} was charged to my visa XXXX card to Coinbase I did not authorize. I have tried dispute with my bank and with Coinbase and have gotten no help my bank closed my account due to complaining about this issue they have a no buying cryptocurrency policy and they still allowed this transaction to be approved. I have no idea where my {$500.00} is and why no one will help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/21 I was contacted through automated processes by Barclays XXXX Mastercard regarding potential fraud activity on my account. 

On XX/XX/21 at XXXX, I attempted to contact Barclays to resolve the fraud concern. After 5 minutes on hold the line went dead. 

On XX/XX/21 at XXXX, I again attempted to contact Barclays. This time I was connected to a customer service representative. During the discussion the customer service representative was unwilling to provide to me the actual card the fraud related to. I continued to ask if it was the primary or secondary accounts ( two cards are open under the account ). The representative refused to provide this information as well. I then asked to speak with a supervisor but was rebuffed. I continued to ask for a supervisor and after my fifth request I was placed on hold. The representative then returned after several minutes to tell me that no supervisor will speak with me. But that a supervisor will call me back in 24 to 48 hours.

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 2021-07-09 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am currently in the process of completing the PSLF program, in order to have my loans forgiven following 120 payments while working in the XXXX XXXX. In XXXX, I joined the XXXX XXXX XXXX. In the Spring of XXXX, while still working full time in the XXXX XXXX, I began taking graduate courses at the University of XXXX. I specifically instructed my loan servicer at the time to continue accepting payments from me despite any documents they receive regarding my going to school, as I was also working full time in public service. Despite my instructions, my servicer placed my loans in deferral from XX/XX/XXXX through XX/XX/XXXX. Each month this took place, I resubmitted a request that my loans never be placed in deferment. Yet they continued to disregard my instructions. My loans have since been moved to different servicers over the years and with each, I inquired how to have this error on their part be fixed. My loans are currently with Fedloan Servicing and I have asked them multiple times what can be done and they refuse to fix the error. I was entitled to make qualifying payments during this period and my servicer disregarded my instruction multiple times not to place my loans in deferment. 

I would like to respectfully request I have the opportunity to make whatever payments are necessary to reflect my public service in the XXXX XXXX XXXX during those four months in XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This complaint was not resolved XXXX. First Federal Control did not send ALL the requested documentation that I request for validation. Merely sending copies of a statement is not validation. Anyone can make copies! FCDPA laws are being violated and this complaint was sent to Attorney General Office. The documentation that was asked for was not provided nor did the documentation get sent to CFPB. In my prior complaint number XXXX you will see ALL the documentation I requested was not sent! This is my last attempt to rectify these erroneous accounts that first federal control has not validated and have put on my XXXX credit report. I take my credit serious and this is ruining my credit score and credit to the extreme. I am a victim of identity theft and no consumer should have to endure such foolishness! While in dispute this better be removed IMMEDIATELY! Send ALL the documentation that was requested!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
Back in XXXX or XXXX of XXXX, we had to go on forbearance due to the COVID crisis because my wife 's company had to close. Once we were back up and running in XXXX, we talked with AmeriHome Mortgage about a loan modification. I filled out the paperwork, submitted it and start making my monthly payments for the trial period. Once that was complete, they never gave me any updates and advised there was no movement on my modification. In XX/XX/XXXX, I was finally able to get some answers after being on the phone with several dozen people and spending well over 80 hours of my time. They advised my modification was denied due to a lien on my title. I knew there was no lien on my title so I contacted my title company and they did a search and sent me proof of a clean title. AmeriHome never allowed me to protest the findings and simply closed the modification without notifying me. Since then I have spent well over XXXX hours on the phone with nearly XXXX or more different people to continually get the run around and no assistance to help correct this issue. So right now they won't even allow me to make my monthly payment until this is resolved. I have emailed, uploaded, and mailed the clear title and loan modification application 5 times and they are still asking for the application. I have been hung up on countless times and transferred to dozens of people who still can not assist. I have requested at least 20 times to speak with a supervisor to only be told they would put the request in to have them call because they can not transfer them and then never get called back. I have never seen a company operate in such a manor and to have such gross incompetence from everyone I have dealt with. I have also never seen a company not allow you to pay them what you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: NY

Complaint narrative:
Transunion deducted 8 points from my score just because an account closed I had paid off in full. Never missed any payments or late payments. Transunion deducted 8 points from my score because the account closed. It has to close if it's a XXXX balance. I work to hard to get my score high and I don't need no robot taking points off my score when it should be adding. I want my 8 points put back on my transunion account as well as additional points for never missing a payment. This glitch in their system is ruining people lives. I want my 8 points back!!! Thank you. The name of my lender is XXXX XXXX. That's the name of the closed account.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Shellpoint Mortgage servicing company failed to report timely payments made. 19 months worth. 
Writing certified letters did absolutely nothing. Only filing a complaint with the Consumer finance protection bureau, made any difference - unfortunately!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: PA

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. Also, remove the fraudulent and/or inaccurate inquiries on the report. I have attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: WI

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXXand shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
I borrowed {$3000.00} I have paid {$2600.00} My balance is {$3200.00} This is INSANE Can someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: WI

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
My nightmare began with Robinhood when I tried to communicate with them because I was not having access to my account. I left messages to no avail. I wrote them a certified return receipt letter requesting my account to be closed. The letter was written and sent on XX/XX/2021. Robinhood never replied ; therefore, on XX/XX/2021, my attorney sent them a letter requesting the account to be closed. Robinhood never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX  credit check run was done by Capital one on XX/XX/2021 There were 3 different hard inquiries by Capital one on XX/XX/2021, XXXX XXXX, XXXX on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the US and I haven't requested credit inquiries or used my credit cards during this travel. 
I am contacting the companies to inform them about the fraudulent activities. 
In addition to that, I have contacted XXXX, XXXX, and XXXX to freeze credit reports and set up a fraud alert on all three. 


Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: ERC
State: NY

Complaint narrative:
ERC is reporting a fraudulent account on my credit. 
I didnt open this account, nor did I give permission to anyone else to open it on my behalf. 
Please see the attached FTC reporta and my driver license and please remove it from my credit.

Company response to consumer: Closed with explanation