vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
C # XXXX XX/XX/XXXX was closed?. Capital One Still has not resolved this on my credit, or Refunding me back, Capital one Fees for this Car was/is to much even this New year for a XXXX XXXX, I lose my Job due to not having my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: NM

Complaint narrative:
I looked at my credit report in 2020 & saw I was being wrongfully/in-accurately charged, so i decided to reach out & dispute with Ad astra Recovery Services about the incorrect/inacurate balance owed. Once This inaccurate debt started posting on my credit report through Ad Astra Recovery Services I made multiple attempts to reach out to Ad Astra Recovery Services & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. ( you being : Ad astra Recovery Services ) Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. Dates attempted to reach Ad astra Recovery Services were XX/XX/2020 & XX/XX/2020 ( Via certified mail ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: NJ

Complaint narrative:
my mortgage is with capital mortgage of texas, they refuse to provide me with an amortization schedule with detailed information of the monies they have collected from me since the inception of my mortgage. I have noticed that my mortgae balance has some shoddy accounting going on and that each month the amount i pay to them is not being reflected in my mortgage balance I have made over 25 inquiries to the company and was assured by XXXX XXXX that she would work on this problem and rectify it She has not once returned my phone calls or emails. I have contacted several other at th company and not one person will return my calls. this has been going on since XX/XX/2020. I continue to pay my mortgage and still see discrepancies with the allocation of funds

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
I was contacted by a collection agency on behalf of XXXX requesting an amount not owed. I reached out to the original creditor to validate the service amount. it was verified that I did not owe what this collector is requesting. I am requesting immediate removal from my credit report as this is against the law for them to report a balance that is not due and that has been verfied by the original creditor not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CA

Complaint narrative:
XXXX XXXX  XXXX reported a delinquent account belongs to someone who dont have social security number or driver license to credit bureaus just by name and amount he or she owed. 
Equifax filed the false account under my name and it damaged my credit. 
I was about to sign a mortgage loan then was not able to do it due to decreased credit score. 
My estimated closing date is XX/XX/2021. 
XXXX and Equifax are telling me to wait at least XXXX. 
But I dont have time to wait. 
Definitely Equifax did not check the information properly and made a mistake which caused me financial and psychological damages. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Flagstar bank charged me an absorbent amount in overdraft fees on one charge that was paid back aside from about 50.00 - they closed my account with a negative balance of over {$700.00} and reported me to XXXX My current credit union is now threatening to close my existing account due to Flag Stars reporting. I have never been negative with my current bank, and had a very good history with Flagstar bank for many years. I am going through a divorce and the charge that hit the bank was caused by the other party. I am asking that the overdraft fees be waived and the negative reporting be removed from XXXX XXXX This has severely affected me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police 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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-15 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax changed their terms about reporting when changing from Equifax to MyEquifax. Before the change I received almost daily alerts about banking ( checking account ) transactions of any amount over {$100.00}. I also received monthly alerts about an increase or decrease on credit card statements. Since XX/XX/XXXX I have 12 personal checking transactions and 6 business checking transaction of {$100.00} or more and several credit card statements and so far I have not received any alerts. I called Equifax Customer Service on XX/XX/XXXX at XXXX ( 17 min 57 sec ), XX/XX/XXXX at XXXX ( 22 min 32 sec ), XX/XX/XXXX at XXXX ( 4 min 18 sec ), XX/XX/XXXX at XXXX ( 16 min 47 sec ), XX/XX/XXXX at XXXX ( 10 min 4 sec ) and today XX/XX/XXXXXXXX  at XXXX ( 52 min 10 sec ). On each occasion I was either cut off and had to re-dial or was told the problem was fixed and I still did not get any alerts. My last call was to get a supervisor on the line and 4 times was redirected back to the original phone options. Finally got a supervisor today and was told " we are having problems with the product and our associates are working hard to resolve. But if you are not getting alerts nothing has happened on any of your accounts ''. That's when I decided to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WA

Complaint narrative:
Around XXXX XXXX, I was notified by my bank that my credit score was significantly and negatively impacted. Following up on the issues, it appeared that XXXX XXXX XXXX ( in XXXX, IN ) reported me for two unpaid bills for the total of {$250.00} to the credit bureau and the I.C. SYSTEM, INC collection agency for the bills that I had never received. In the following days after I received the notice of my credit loss, I contacted the XXXX XXXX XXXX to inquire about the unknown bills, despite multiple calls and requests to speak to someone in the finance office, they hung up the phone. In the meantime, I paid the unknown bill to I.C. SYSTEM, INC, while at the point I still did not have a bill or an itemized invoice. After spending over 40 hours between contacting my bank, the collection agency, the credit bureau, and the XXXX XXXX XXXX, I finally received a bill that indicted two days of visit in XXXX and XX/XX/XXXX. I tried to dispute the charges pertaining to the visit in XX/XX/XXXX, which was denied by the XXXX XXXX XXXX. The nature of my dispute was that due to extreme XXXX XXXX XXXX XXXX I made a visit to the XXXX XXXX XXXX, and that was my final visit which was towards the end of XX/XX/XXXX. On the day of the visit, I told my doctor and the nurse that I was suffering from a XXXX XXXX XXXX. The doctor used a swab to check if my throat had any infections. At the end of the visit, she mentioned that I did not have any infections but they would have to send the swab to the lab for further examination. Despite my XXXX XXXX XXXX the doctor sent me home while not prescribing any medication for me. After 10 days of suffering at home, while I kept calling the clinic back to get some medication for my temperature and sore throat, I finally received a call from the clinic indicating that my results came back positive, meaning that I had a XXXX XXXX, while the doctor missed it on the day of my visit and caused me XXXX XXXX Due to this clinic 's negligence in not providing me with the appropriate and timely care that I needed, my XXXX  XXXX continued until XX/XX/XXXX, while the XXXX XXXX XXXX XXXX XXXX, and I experienced XXXX XXXX XXXX  for an extended time which was examined and cared for at another medical clinic. I expect to be fully refunded for the amount I was charged by XXXX XXXX XXXXI.C. SYSTEM, INC.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: RI

Complaint narrative:
In XX/XX/XXXX I sought to establish internet service in XXXX, RI with XXXX XXXX. The service was to provide high speed internet, but upon installation was often only providing 1-2 Mbps as measured by my speed tests. This connection speed is not fast enough for even modest internet usage let alone to stream a program or otherwise effectively use the XXXX. The problem was confirmed by innumerable XXXX technicians over the next year. There were at least half a dozen technician appointments which included checking termination of cables and even changing the cable on the electric pole by XXXX XXXX. In providing access for technicians at these many appointments I often took time off work. Despite their best efforts, the technicians never were able to resolve the issue at this location and explained that the XXXX infrastructure would simply not work to provide internet effectively as currently cabled in this location. Yet I was being charged upwards of $ XXXX for high speed internet with cable. During my time there I paid XXXX over XXXX XXXX dollars for services that were never fully provided as promised. Upon receiving a final bill, I sent a letter to XXXX XXXX department to notify them that I was in fact owed a refund for the services I paid for but did not receive. This letter was sent by certified mail on XX/XX/XXXX. 
XXXX XXXX has now in XX/XX/XXXX caused a collection agency to make a report of unpaid debt in the amount of {$77.00} to the credit agencies thus lowering my credit rating from 830+ by 100 points and thus disqualifying me for a loan from the lender with whom I was working. 
I believe that this action is egregious and has caused me significant monetary damages. I would like this credit damaging report to be retracted at once.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have contacted the companies, making them aware of the incorrect information on my report. I have asked the companies to verify and update my report as soon as possible.

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 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I received an email from Coinbase Inc. that I needed to verify my identity on their website. I immediately followed the instructions and completed the verification successfully. Soon after I received an email also confirming that the verification was completed and I could use my account to invest. However, after logging in, my account was still blocked from making any transactions. I submitted a ticket and followed up twice on the status but after an entire day, I still haven't received a response. There is also no phone number you can call and speak to a representative. The only means of contact is email. Without any explanation my account has been blocked and I can not trade or withdraw my assets. The lack of responsiveness is also unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved 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 2021-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo, through reckless incompetence, lost records of my payoff for {$3000.00} for my XXXX loan. Because of XXXX XXXX misconduct, I am in fear of loan default, overdraft that will not be fault, but solely the fault of Wells Fargo ongoing incompetence.

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 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2021 I discovered I could not perform any transactions to my PayPal account. I received a message that the account was under some court legal restriction. I have not received any court papers from any company. I do not owe any lawyer or company. I requested to close this account due to my past history with ID tax theft which cause a spiral of identity theft to my banking, tax and credit report. I would like for this account to be closed as soon as possible for fear of future damage and fraud. On XX/XX/2021 I spoke to PayPal concerning this issue and the fraud and Id Theft concerns but without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting my account inaccurately. I have submitted documentation through the three major credit bureaus to have this information updated and nothing has been fixed. They are reporting my account as an individual account, however it was a joint account where I was the co-leasee.

Company response to consumer: Closed with explanation