vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had an initial auto loan with XXXX, upon financing with a more reputable bank, a payoff check was sent to XXXX from our new bank XXXX. XXXX received the check on or around XX/XX/2021. The tracking number proves it was received by XXXX. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to XXXX and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that XXXX had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.

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 2021-10-22 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: NC

Complaint narrative:
I had an initial auto loan with XXXX, upon financing with a more reputable bank, a payoff check was sent to XXXX from our new bank XXXX. XXXX received the check on or around XX/XX/2021. The tracking number proves it was received by XXXX. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to XXXX and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that XXXX had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX  is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: AZ

Complaint narrative:
Today there were hard inquiries on my credit from : XXXX XXXX XXXX ( twice ) XXXX/XXXX I have not applied for credit and these are fraudulent In XXXX I did receive a letter from the State of Ohio informing me that they were not going to try to collect overpayment on my unemployment. That letter had no contact information and I have never lived in Ohio. 

I also received two XXXX forms for people who had applied for Unemployment benefits against my XXXX XXXX in Arizona. I did inform Arizona that the XXXX is a subchapter XXXX and I am the only person ever to receive income from it. They were advised that any other claims against XXXX XXXX XXXX XXXX, XXXX, XXXX were fraudulent.

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 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: MI

Complaint narrative:
XXXX charge was paid on XX/XX/2018 to Avanteusa in the amount of {$410.00}. This was a settlement amount. Paid by XXXX XXXX I have filed disputes with the credit bureaus who keep saying I owe {$500.00}. Avante will not answer and XXXX will do nothing. I have submitted both the settlement offer letter and the payment ledger. Since submitting a dispute my credit score for XXXX dropped 84 points. Both XXXX and XXXX went back the last 4 years and added derogatory marks after I filed the dispute. Please, please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have a Coinbase and Coinbase XXXX account. I bought a new phone. Evidently, a new phone is not recognized by the site. I have been logged out of my account for 4 days now. I have tried to contact the company, but they don't have any live customer support. I have sent multiple emails. The response is tepid at best. I get form notes from some customer service, but none that solve my problem. It would seem you should not be able to operate a company that is dealing w so much $ without having the ability to answer questions and give customers access to their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Chime Financial Inc
State: FL

Complaint narrative:
This is a previous file. Chime bank lied to you and stated the charges were vaild when I said they robbed me. I have the reversal of charges to prove Chime lied to you the entire time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I PAID OF MY LOAN, SENT THE PAYMENT VIA XXXX XXXX PNC BANK SIGNED FOR IT. AND TO DATE THEY HAVE NOT CREDITED MY ACCOUNT AND THEY STILL SHOW I AM DUE FOR MY PAYMENT AND THE BALANCE SHOWS UNPAID. I have called PNC bank several times and wait on hold they say for 5 minutes and in 5 minutes the message comes back that they are too busy to talk to me. this is rediculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Reference : XXXX XXXX XXXX Experian Report No. : XXXX Dated XXXX To : Experian, XXXX XXXX XXXX, XXXX, Texas XXXX Your report states This address may be perceived as high risk since it is a non-residential address:XXXX XXXX XXXX XXXX XXXX , FL XXXX Per attached Official XXXX County Office of the Property Appraiser Detailed Report the property is RESIDENTIAL SINGLE FAMILY : 1 UNIT As anyone who lives or visits XXXX Florida knows well XXXX XXXX XXXX and immediate area in XXXX XXXX is not just residential but one of the most exclusive and expensive residential areas in Florida. 
PLEASE CORRECT THE RECORD AND DELETE THE FALSEAND SPURIOUS DEROGATORY INFORMATION FROM YOUR 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 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
left apt early for health reasons XXXX trouble lost deposit been contacted by transworld systems who have said on 6 to 8 phone calls and in theirletter that they are collecting for the apts and that they do not own the debt -- turned out this is false and they are holding me XXXX to pay XXXX i have tried to settle and offered XXXX they said they would contact the creditor the apt and see if they would accept the offer they own the debt which they have denied cant get into apts because of this its ransom and they own the debt but they always insist they are collecting for the apt.and do not own the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I keep getting calls from SWC stating that XXXX says I owe them money. I haven't had XXXX-XXXX in years. My cell service is through XXXX by XXXX-XXXX and has been for the past several years. I told them not to contact me on the phone when they called that I don't owe that debt that I don't even have XXXX and haven't for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021 I opened a claim with capital one about a damaged pendant I had received from a seller in a mall. I told them that I returned the damaged pendant to them the very next day I bought it and was refused a refund. Which is why I initiated a chargeback. The customer service rep I spoke to apparently put that I kept the item. Ive called multiple reps to fix this misinformation yet none have. The only response I had gotten is that the charge amount was correct and that they would be reversing the credit they gave me. They said they requested pics of evidence from me for the first time the claim was opened but Ive told them I never received an email stating that. So the claim was opened a 2nd time. I then sent pictures of the damaged item for the dispute on XX/XX/XXXX to the bank as evidence and they claim they never received the email even though I have PROOF that I sent them the email with the pictures. After tons of calls I sent them that proof yesterday and today they said they denied my claim for the final time and will not be reimbursing me cause they said they cant find an issue. The customer service Ive dealt with at Capital One has been horrible and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Kohls charge was paid on XX/XX/2018 to XXXX in the amount of {$410.00}. This was a settlement amount. Paid by XXXX XXXX I have filed disputes with the credit bureaus who keep saying I owe {$500.00}. XXXX will not answer and Kohls will do nothing. I have submitted both the settlement offer letter and the payment ledger. Since submitting a dispute my credit score for XXXX dropped 84 points. Both XXXX and XXXX went back the last 4 years and added derogatory marks after I filed the dispute. Please, please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days. On XX/XX/2021, I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 ). 

To date Shellpoint has not resolved the issues. 

I will be resuming payments on XX/XX/2021 and have not been informed of the : 1. ) Total amount that is being deferred and total amount owed on my mortgage including all deferred amounts. 
2. ) The terms of that deferral, whether it be a recast changing the maturity date or a balloon payment- To be clear, I want a complete written breakdown of my loan, the amount owed, the amounts ( all amounts ) deferred on my loan ( past & present ).

3. ) An accurate and up to date escrow analysis as of XX/XX/2021 - Including evidence of any and all expenditures listed as escrow advances 4. ) A written copy of the servicer 's guidelines ( from the investor ) that clearly shows that escrows can not be included in deferrals.

5. ) A complete written explanation of what can be done with escrow shortages again, from the investor ) 6. ) A payment breakdown that includes my current monthly payment with taxes and insurance ( based on an up-to-date accurate escrow analysis ) AND A breakdown of what the escrow shortage payments will be over a 5 year period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I tried to submit a payment to my XXXX XXXX for {$570.00}. This was done before my bill and statement was due. But I was unaware that the payments were connected to my savings instead of my checking. This caused my account to show up as a late payment on my credit 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 non-monetary relief
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The debt that Equifax is reporting by XXXX XXXX is not a valid debt. Equifax is, by law, required to reach out to the data furnisher, XXXX XXXX to VALIDATE the debt or to prove that there is a contract that I am legally obligated to pay such company. So far, Equifax failed to obtain any such information from XXXX XXXX. There is a stark difference between what is called verifying versus validating the debt. Equifax, once again, documented that they verified the debt rather than VALIDATING the debt which they are required to request from the data furnisher, XXXX XXXX. It has been over 30 days without me receiving any debt VALIDATION. Equifax is now required by law to remove this account from my credit file because there is no VALIDATION that I legally owe any such debt to XXXX XXXX. I have never heard of or ever dealt with XXXX XXXX and do not have any binding contract with them. I am attaching proof that Equifax is reporting that they verified the debt rather than investigating the VALIDITY of the debt like they are required to do by LAW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.

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 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX-XXXX is horrible. In process if purchasing home. I reached out to them XX/XX/2020 to settle debt. They then placed a dispute on account. Ive been calling to have dispute remove and pay debt. Its a different amount every time. I asked once paid to delete from credit report. They promised it would and it still has not happened. Its paid and still negatively effecting my credit to close on my home. Want it deleted!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
Initiated a xfr of funds ( {$2000.00} ) from XXXX checking acct to my Optum Bank acct on Monday XXXX XXXX. As of XXXX XXXX the funds are still not available to move from Optum to my outside XXXX XXXX brokerage acct, This is nonsense that simple, cleared, cash funds are not available within one day for TRANSFER not WITHDRAWAL to my brokerage acct.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation