vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
Mortgage which Im a cosignor on was reported late XX/XX/XXXX and went into forbearance XX/XX/XXXX til XX/XX/XXXX. It is now current and in good standing. We were never informed that the XXXX late payment would be repeated over and over during the forbearance period, instead of being reported as 1 30 day late on our credit reports, it is being reported as 14 consecutive 30 day late payments. We asked for the recorded phone conversation with their agent to prove that we were misled/lied to, but they have failed to produce it. This has devastated our credit. Although we are now current, on Auto pay, and being hit by a once in a 100yr pandemic they will not work with us to change this. We feel it should show 1 late and NR during the forbearance period. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
Experian, has been allowing an unknown 3rd party to edit the data on my credit membership account. Someone has added an unknown Pin to my account changed my profile address on multiple occasions and now for over 45 days I have been unable to access my PAID Experian Membership account online even with the correct login and password and several attempts to access the account by paying the {$19.00} that they say that I owe them. It never takes the payment from any debit or credit card that I try to use. 

My credit score has dropped over 35 or more points during this time that u have been unable to access the account or my credit report. They are reporting addresses and accounts that have not been validated or verified and I DON'T HAVE ACCESS TO ANY OF IT. 

I called today to their customer service office and spoke with XXXX agents, XXXX # XXXX - He said he reset the account and cancelled the membership and it shoukd be accessible by me within XXXX mins. I still am unable to login to my account and am stuck behind this fake paywall. 

XXXX # XXXX - He was asked to file a dispute on an unknown file that keeps being added to my account, and then after asking me for my current address, UPDATED my address without my knowledge which then left me unable to Verify questions or an unknown Pink number that he claims has been on my files since I made the account. I have never placed a pin number on this Experian account. So now I am essentially completely locked out of my Experian credit file for 3 days he says until the system can generate new security questions. What in the entire **** is going on here?? 

Agent # XXXX - A COMPLETELY unhelpful " Supervisor ' with a terrible attitude and no information to give me on A. Why can't I LOG INTO THE ACCOUNT ONLINE ON MY SIDE B. Where did the account pin come from? 
C. WHEN WILL I BE ABLE TO LOG IN TO MY ONLINE ACCOUNT AGAIN?

D. WHY does a PAID Member NOT have " Security Questions '' all of a sudden? 

She proceeded to hang up on me because I repeatedly asked her these same three questions. This is absolute unfair and I am at my wits ends with Experian and XXXX  and their fraudulent reporting behaviors and data privacy hacks and leaks. 

This is like my XXXX complaint. Meanwhile, I STILL can not access my Experian Credit information XXXX + days later.

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 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I never received a code to my phone, now I know because my phone number was ported ) -Soon after, I noticed my password to my Coinbase account was changed ; I could no longer access my account with my personal password, and I still have not been able to get into my account for 6 days. I have contacted support with Coinbase and there has still been no resolution for getting into my account ; I have correspondence stating that the account was locked and sign-in disabled. I'm not sure if I intercepted quickly enough to avoid any transfers because I have not been able to access the account. 
-I went back to my email to check the message regarding account access using a code sent to my phone number and the email was gone and the trash was empty. Luckily, I made a screenshot. 
XX/XX/2021 -I notice an unauthorized transfer from my XXXX XXXX account to my Coinbase account ; I contact XXXX XXXX XXXX to stop payment and stop any withdrawals from the account until further notice I was able to change passwords and recover the number. Then on XX/XX/2021 -I noticed my phone had no service, I restarted the phone, then received a message from my carrier congratulating me on a new phone. 
-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I did not receive notification or request a code ; at this point, I knew the same thing was happening ) -I checked my account activity, but I see no other devices outside of my device which I was currently using to access my account. ( but that is not the case, I have the email from XXXX stating that my account was accessed from a different device ) -This time, I was able to see the mail in the trash folder which were all from my cryptocurrency accounts ( XXXX  and Coinbse ) For password resets and new device log-ins I have now been in contact with Coinbase support for approximately 5 weeks with no resolution. It is past time for resolution. 

I have supporting documents for all of the aforementioned incidents. The documentation the number port evidence ( where it all began ) is probably the most important piece of evidence in this case. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute request via XXXX XXXX for an collection account that the creditor ( XXXX ) agreed to delete from my creditor report due to me paying the entire balance so I could re-instate insurance with them. The debt of {$120.00} which was reported by XXXX ( XXXX XXXX XXXX ) was paid in agreeance to delete to the original creditor ( XXXX ) and it was paid on XX/XX/XXXX ( receipt attached ). The representative at XXXX told me that the system will update overnight and they will notify the collection agency to remove my account. On XX/XX/XXXX I received a update from TransUnion that my investigated was updated as " Accurate '' and they added a remark to the collection that reads '' Account information disputed by consumer, meets FCRA requirements ''. It still shows I owe this {$120.00} balance. It still is showing on my report when the original creditor, XXXX, agreed to delete. I attached the proof of my payment to XXXX the original creditor. In addition, I do not believe they did their full investigation to see my claim. I called XXXX on XX/XX/XXXX and was told that the account should be removed. They already sent notification to XXXX on XX/XX/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 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My credit score is Excellent, averaging about XXXX. I applied for a Capital One card and was denied a card without explanation, even though Capital One 's credit reporting tool, Credit Wise, showed I had an XXXX credit rating with no defaults, bankruptcies, unpaid accounts, etc. This denial is hurting my credit and is unsupported by the law or facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
My name is XXXX XXXX - I would like to dispute the 4 CLOSED student loan accounts and my personal information, including outdated time-barred inaccurate addresses and employer. I have attached a letter detailing the disputes along with supporting documentation. 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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX  XXXX-Balance {$840.00} XXXX XXXX XXXX-XXXX-Balance {$0.00} XXXX XXXX-Balance {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CA

Complaint narrative:
I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response

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 2021-08-26 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: CA

Complaint narrative:
I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
My husband added me as an authorized user to his TD Bank visa account without my permission and my social security number is being used. This account is being reported and negatively impacting my credit score due to a high balance. My husband will not remove me from the account and TD Bank states he is the only one that can remove me and I can not remove myself. I want my name ( even as an authorized user ) off this account and I want it to stop impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX of 2019 I opened an account with XXXX  XXXX, I was on time with my payments up until we had a national emergency with COVID-19. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and XXXX XXXX under The HEROES Act where it states that no negative remarks should be reported during The COVID-19 pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX of 2019 I opened an account with XXXX  XXXX, I was on time with my payments up until we had a national emergency with COVID-19. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and XXXX  XXXX under The HEROES Act where it states that no negative remarks should be reported during The COVID-19 pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CARD Corporation
State: NY

Complaint narrative:
On XX/XX/2021 i received an email from card.com that there was XXXX atm balance inquiries and XXXX atm withdrawals in the amount of {$400.00} and {$160.00}. I did not authorize these transactions and was at home with my card in had when this occurred XXXX minutes away from the atm that i have never visited. I filed a dispute within XXXX minutes of receiving this email alert and was told that it was denied due to the pin being memorized. Upon further investigation on my end as i KNOW it was fraud, i found there could have been a card skimmer that read my card number and pin and created a new card to withdraw funds. I have never used an atm balance inquiry as it costs {$0.00} and i have the app that tells me my balance, let alone 4 times in a row. I was told by card.com to email in supporting documents which i did. I provided my time clock proving i was at work at the time, proof i have been working from home, as well as a map from my home to the atm that there is no way i could have done this. They still denied my dispute. I am unable to speak with the fraud department and their customer service gives no answers or solutions and just shrugs their shoulders at the whole thing. I asked to have the atm camera looked at so they can see it wasnt me and allow me to file a police report, i was told it was " above their paygrade. '' They are not protecting my finances at all. I refuse to let someone steal almost {$600.00} from me while i am a mother of XXXX working non stop through the pandemic and that is a lot of money for me to lose, let alone not be able to fight to get back. Upon further investigation, this has happened to numerous other people as well after i filed a complaint through the XXXX. I would like this investigated and to be able to recoup the money that was stolen from me as this is bad business practice and unfair to a hard working member of society.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
We refinanced our mortgage with XXXX  ( original loan # XXXX XXXX. This loan was to be serviced by Caliber starting on XX/XX/XXXX ( Account # XXXX XXXX. 

We received a letter dated XX/XX/XXXX that our mortgage servicing was being transferred from Caliber to XXXX effective XX/XX/XXXX. At that time, our automatic mortgage payment to Caliber was canceled and and account closed by Caliber. 

We never received a letter from XXXX stating that they will be taking over the servicing of our loan. When we contacted XXXX they stated they have no record of our loan but that it could take a few weeks to show up. We contacted them several times over the following 6 weeks and they opened an investigation. We received a letter from XXXX on XX/XX/XXXX stating that they are not servicing our loan. 

During this time we also made attempts to work with Caliber have been met with the same response of " we are no longer servicing your loan ''. My account status with them shows a {$0.00} balance and a " non-active '' status. 

In addition, We reached out to XXXX to see if they can help and they were met with the same responses from XXXX and Caliber. 

We have not made a mortgage payment in several months despite repeated attempts to do so. We are very concerned that our credit will be impacted by this and are looking for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

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

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine.

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 2021-08-26 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: LendingUSA
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX  XXXX XXXX mortgage lender ) continues to show payment history for XXXX and XXXX mortgages made after Chapter XXXX bankruptcy on Experian credit report. Additionally, lender has failed to report that the XXXX and XXXX mortgage were included in the bankruptcy on my Experian credit report. Also, the XXXX mortgage shows up as being closed and the XXXX mortgage as being open. Due to the bankruptcy laws, the mortgage company is not permitted to report anything on the account, including payments, balance or missed payments AFTER the bankruptcy has been XXXX XXXX XX/XX/2016 ).

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 2021-08-26 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery reports they have validated the debt yet I have not received validation documentation.

Company response to consumer: Closed with explanation