vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
The full reference is from the complaint that was closed by you with out fully understanding what has happened, you have confused the dates and the buyers, there was a previous buyer and now there is a second/different buyer, since your last look at this case XXXX The company is now asking to have everything redone, this is in line with the first buyer that backed out do to procrastinating by Fay Servicing, again we are being asked to resubmit all paperwork when all paperwork is already in Fay Servicing 's office, Not any of the time was waisted by us ( the seller ) or the buyer as of today Fay Servicing continues to clam paperwork has not been received and now expecting a whole new application to be submitted, I am not sure that this second buyer will be willing to wait another 6 months, something needs to be done as soon as possible. 
With the first buyer just after the buyer backed out Fay Servicing approved the sale ( short sale ) with no out of pocket expense, and now has waited for that offer to expire so to make this move in asking for a whole new application, in addition the new buyer has offered more monies the the last.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX  PORTFOLIO XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX  XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-02-05 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclay card In the United States will not resolve a dispute I filed. I am entitled to dispute my credit card statement under regulation E in the Graham-leahy act. The credit card company has no way to pragmatically file a dispute. The company is dismissive when you call in for a simple charge dispute. I have called on numerous occasions to dispute a charge and no one has been able to accommodate this request nor directed me how they comply with regulation E.

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 2021-02-05 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: CA

Complaint narrative:
Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX  XXXX  explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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 2021-02-05 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: CORELOGIC INC
State: CA

Complaint narrative:
Core Logic Credco has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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 2021-02-05 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: CA

Complaint narrative:
Credit bureau Equifax has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXXXXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit bureau Experian has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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 2021-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
On XX/XX/XXXX I was contacted by The Law Offices of Mitchell D Bluhm & Associates, LLC about an alleged debt in the amount of {$2100.00} to a creditor named XXXX XXXX XXXX. For emergency services supposedly received on XX/XX/XXXX at XXXX XXXX XXXX XXXX. They said that the debt was originally with XXXX XXXX XXXX XXXX but they sold it to XXXX XXXX XXXX. I let them know in writing that I HAVE NEVER BEEN at XXXX XXXX XXXX XXXX EVER or requested any services from that medical center. They claim that I received emergency services on XX/XX/XXXX and it is completely FALSE. I requested proof that this bill/account belonged to me and in return they sent me a confusing, innacurate statement of account with an address where I never lived XXXX XXXX XXXX ... and a medical account number that was not verifiable ( XXXX I tried to log in into the website they provided ( XXXX ) to see the details of this bill and it doesn't match any records. The medical account they have in the statement doesn't match with my date of birth. It is fraudulent and fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ Data International , INC. add a collection on my credit report who is not mine, charging me for {$2900.00} from XXXX. I sent a letter requesting a proof of any contract in XX/XX/XXXX who I had answer with a supposed contract who do not have my signature but has my name printed on it but NOT MY SIGNATURE. I sent a second letter attached with a copy of a contract they sent to me but I did not have heard back yet They do not have information of any ID or copy barely my hand signature ( Do not have my Driver license information on file who is normally required to do any contract ).. My next step will be filled a Small Claim lawsuit against IQ Data International, INC following items : -Violation of the fair debt collection practices act ( including but not limited to section 807-8 ).

-Violation of the fair credit reporting act ( including but not limited to section 623-a-3 ).

-Violation of ( insert corresponding state laws here if desired ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: MD

Complaint narrative:
I was not notified regarding my investigating results. It has been 60 days and it is now violating the FCRA.

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 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
compliant number XXXX this is my second complaint and it is a major issue with it has been more than 30 days.This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX/XXXX  XXXX  # XXXX, XXXX XXXX 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 2021-02-05 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/19, I purchased flights using my Citibank Costco rewards credit card for {$3500.00}. After the flights were cancelled and I was unable to get a refund from the merchant XXXXXXXX, I disputed the charge. Citibank never contacted me to get additional information and closed the case in the vendor 's favor. On the XX/XX/XXXX statement, we paid the {$3500.00}. On XX/XX/XXXX statement, we were charged again the {$3500.00}, an error on Citi 's part. Therefore, Citi has charged me twice. Attempting to resolve this seems to be intentionally difficult. Moreover, the Department of Transportation ( Case # XXXX ) contacted XXXX to refund the money for the tickets which is in process. I have called at least XXXX separate times for an hour each to Citibank to address this situation which is abundantly clear that they made an error. Now, because of their reticence to remedy the situation, I will need to make the full payment to avoid interest charges. Truthfully, I believe that Citibank is intentionally attempting to keep the money and find their business practices unacceptable. I will effectively be out of pocket XXXX {$7000.00} until this is resolved.

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 monetary relief
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
I sent out a letter to Equifax and XXXX  disputing items on my report that I did not recognize. It has been more then 30 days and they haven't complied with their own policies within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CITIBANK, N.A.
State: HI

Complaint narrative:
In XXXX, I called Citi Bank to defer credit card payment. Call was through a call center in the XXXX. ( I know I asked ) We communicated deferral of interest, fees, and payment like every other credit card company during the pandemic.

They put interest on credit card which was not agreed to.

I refused to pay unless they took it off.

Now, they have sent it to a collection agency and refused to negotiate the settlement of the debt. Kept saying call back next month. I would call. Call back next month. I would call. Call back next month. You get the picture.

This has put a mark on my credit report and costing me money to refinance my home.

I would like Citi to remove the bad credit mark and call me to settle the correct amount owed. Without the interest!

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 2021-02-05 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I got a Chase credit card back in XXXX. I have never missed a payment. I received a letter taking my available credit line from {$7500.00} to {$5500.00}. I recently cleared my balance paying {$5400.00} on XX/XX/XXXX In return, Chase lowered my credit line to {$500.00} as of XX/XX/XXXX. This will cause harm to me by lowering my credit score and will cause me to pay more interest on the things I buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, {$21.00} was withdrawn from my bank account by Coinbase. I did not authorize the withdraw. I then received an email from Coinbase stating that {$21.00} was withdrawn from my bank account and was placed on my Coinbase account. The money was never placed on my Coinbase account. I filed a complaint with Coinbase and on XX/XX/2021 i received another email from Coinbase with a case number ( Case # XXXX ). I was asked to take certain steps to protect my account ( which I did ) and thereafter Coinbase completely blocked my account. I can not access it at all. I waited XX/XX/2021 to reach out, giving them 14 days. I was informed that it was sent to a specialist and they would respond soon. They have not attempted any contact since that time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: WA

Complaint narrative:
On XX/XX/XXXX Synergetic Communication, Inc. sent me a letter attempting to collect on a debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. On XX/XX/XXXX I sent a letter by certified mail disputing this claim, and requesting that Synergetic Communication cease any further communication regarding this issue, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), and I considered the matter closed. 

On XX/XX/XXXX Synergetic Communication, Inc. sent me another letter attempting to collect on the debt they claim originated from XXXX XXXX XXXX  in the amount of {$1400.00}. The only difference between the two letters is that they changed their internal account number for the claim, even though it is clearly referencing the same disputed debt claim. 

This is an obvious attempt to circumvent my request to cease any further communication, and a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: OH

Complaint narrative:
compliant number XXXX this is my second complaint and it is a major issue with it has been more than 30 days.This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation