vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

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 2021-01-06 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX my wife and I flew to XXXX XXXX on XXXX XXXX We each had small roll about with only clothes and toiletries and weighed 7 and 6 kg each At checking in I was charged {$17.00} for baggage that we carried onto plane in overhead Later, I read airline rules and we were each entitled to 7 kg for carryon to plane

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 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: Possible Financial Inc
State: TX

Complaint narrative:
Possible Finance reported I was 30-60 days late on a payment. I attempted to contact them and got no where. My account can not go from OK payments on time to 30-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX reported I was 30-60 days late on a payment. I attempted to contact them and got no where. My account can not go from OK payments on time to 30-60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: CA

Complaint narrative:
I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX ) and his girlfriend XXXX XXXX took advantage of my mental illness and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help 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 2021-01-06 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:
I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX ) and his girlfriend XXXX XXXX took advantage of my mental illness and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX  ) and his girlfriend XXXX XXXX took advantage of my XXXX  XXXX  and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help 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 non-monetary relief
Consumer complaint received 2021-01-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The Wells Fargo credit card division is completely inept and is unable to accommodate a simple request. The retail banking division was provided a statutory durable power of attorney a week ago which was approved by their legal department to allow me to move funds from a family member 's account who is mentally ill. I have also advised to close a credit account, as well as debit card accounts and the credit card division, including their Executive office representative, is unable or unwilling to simply call the retail banking division 's Legal office to confirm receipt of the power of attorney in order to close the account. The account holder is in a dire condition and by not closing the account and continuing to allow access, Wells Fargo may be creating a dangerous welfare situation for the account holder. This is completely unacceptable. The individuals which were contacted are as follows : 1. XXXX - Customer Service 2. XXXX - Customer Advocacy 3. XXXX - Executive Office.

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 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I transferred XXXX Graph Tokens  from my XXXX  wallet to my Coinbase Pro wallet on XX/XX/2020 XXXX XXXX  +UTC. I checked on XXXX and it clearly states the transfer was successfully but the tokens did not reflect on my Coinbase account. I made several attempts to contact Coinbase customer service on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have even tried to contact Coinbase support on their XXXX page and there has been no response. 

Any help would be greatly appreciated. 


Transaction Hash : XXXX Case # XXXX Case # XXXX XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
On XXXX XXXX Speedy Cash XXXX added an account to collections on my credit report in which I am just now seeing on XXXX  as I'm normally only using XXXX XXXX which reflects only my XXXX  report. This is not reporting on my XXXX  nor XXXX  report. This only reflects on my XXXX  report. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, Speedy Cash XXXX has violated my rights as a consumer and I am requesting legal action to remove this debt from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had a XXXX card which I paid off and this collection company kept harassing me to make payments that I don't owe. This is reflected in my credit report and I don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a Gap card which I paid off and this collection company kept harassing me to make payments that I don't owe. This is reflected in my credit report and I don't owe them any 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 2021-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had a XXXX credit score. My credit score dropped by 37 points due to me canceling my XXXX card. I canceled my XXXX card because they had added an additional card to my account without my authorization. It wasn't present on my bills but they had charged me for annual fees for 2 yrs. It made me so enraged I canceled entire account. They did refund the fees after much discussion. BUT then I got the credit report and saw the impact on my credit score. 

Is there any recourse, what recommendations do you all have to move forward. The credit bureau was unable to tell me what is involved in their scoring that makes me more of a credit risk. I canceled due to the companies fraudulent actions, yet I am penalized on my credit score. I need to understand why and how that works, so 1 ) I know if there is anything that can be done now, 2 ) I want to know how to handle this situation in the future. What do you do if you feel wrong by a creditor but do not wish to take a negative result on your credit report. 

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 2021-01-06 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: GA

Complaint narrative:
I had a XXXX credit score. My credit score dropped by 37 points due to me canceling my XXXX card. I canceled my XXXX card because they had added an additional card to my account without my authorization. It wasn't present on my bills but they had charged me for annual fees for 2 yrs. It made me so enraged I canceled entire account. They did refund the fees after much discussion. BUT then I got the credit report and saw the impact on my credit score. 

Is there any recourse, what recommendations do you all have to move forward. The credit bureau was unable to tell me what is involved in their scoring that makes me more of a credit risk. I canceled due to the companies fraudulent actions, yet I am penalized on my credit score. I need to understand why and how that works, so 1 ) I know if there is anything that can be done now, 2 ) I want to know how to handle this situation in the future. What do you do if you feel wrong by a creditor but do not wish to take a negative result on your credit report. 

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 2021-01-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried to request my Equifax online and in writing and have still not received a copy of my Equifax credit report. I have had not troubles obtaining it with the other bureaus but for some reason Equifax is not responding to my request. I even sent the request certified. I have attached proof of the letter I sent certified as well as the tracking showing they did receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Collection Bureau of the Hudson Valley, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, 2020, CLLCN BUREAU OF THE HU add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CLLCN BUREAU OF THE HU has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: NC

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative 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. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL

Complaint narrative:
I wanted to pay off my loan, so I mailed a check for an amount which included the monthly payment and slightly more than the principal balance. I indicated that I wanted the excess {$9500.00} to pay off my loan. The check was cashed on XX/XX/XXXX. 
I received my next payment coupon and it showed the {$9500.00} had been put into a suspense account and would be used to make future monthly payments. 
I immediately called on XX/XX/XXXX and I was told the following. The money in the suspense account would be returned to my checking account within 9 business days. I have to wire the final payoff. I asked for the payoff amount and wire instructions and was told they need to be mailed to me, and I should have it in 4 business days. 
It is now the 10th business day and I have not received payoff instructions, nor has my {$9500.00} been returned to me. 
I want my money applied to the principal or returned immediately. I want the payoff amount and wire instructions immediately, not in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: FC HoldCo LLC
State: NY

Complaint narrative:
I purchased my vehicle brand new in New York State had a loan with Flagship Credit Acceptance. I chose gap insurance at the time of purchase. My vehicle was in a total loss accident XX/XX/2020. My insurance company issued payment to them for {$10000.00} which would leave me responsible for the remainder of the loan of {$5800.00}. The company is saying I do not have gap insurance. I have a copy of my original signed contract by me and the dealership with the box clearly checked for gap insurance, my dealer does as well. According to my dealer in New York State it is included in your contract with your loan from your finance institution if you opt for gap insurance. Both myself and my dealership have contacted XXXX numerous times. There is either nobody available in the insurance department or we get XXXX in the loan department who basically said just dont pay the remainder of the loan because Flagship really never goes after people legally for the balance owed!! When asked about my credit report he couldnt guarantee that it wouldnt be affected. I am getting nowhere with this company and they are breaking the law holding me accountable for a balance on a loan I have gap insurance on. I cant seem to get anyone who knows anything about gap insurance in New York State.

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 2021-01-06 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: NC

Complaint narrative:
I Have been 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, i felt disrespected by the customer service representative 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. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I Have been 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, i felt disrespected by the customer service representative 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. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I transferred by Coin Base holdings into my personal XXXX account and I have never been credited by Coin Base. I have sent several emails but with no response or solution to my transaction. There is no customer service number that is operative in order to speak to a live representative in regards to my transaction. The transactions on XX/XX/2020 where : 1. {$220.00} 2. {$160.00} 3. {$350.00} 4. {$46.00} I sent all of these transactions to my email : XXXX and was never credited. I am attaching the report with the " send '' transactions highlighted in yellow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I first applied online and it said I was approved but had to come in to the store for verification documents so I go to rabbit cash number XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX on XX/XX/2020 providing them with extra documentation requested from the manager they told me she had to wait for another manager to get the approval to disperse funds where XXXX I had already came into the facility with documentation and identity verification however the man Standing to the right of me left with the loan he applied for and didnt even have an ID card. I was there for over two hours and left with no loan she was Disrespectful rude making fun of my clothes and laughing at the fact I was there for over two hours and last but not least she was XXXX

Company response to consumer: Closed with explanation