vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc
State: IL

Complaint narrative:
LUNDQUIST CONSULTING INC, IS A DATA FURNISHER FOR XXXX. MY XXXX CREDIT REPORT FILE NUMBER XXXX HAS A BANKRUPTCY # XXXX AS BEING VERIFIED AS ACCURATE ON XXXX # XXXX HAS A ADDRESS I NEVERED LIVED AT AND UNDER THE BANKRUPTCY CONTACT INFO ON MY CREDIT REPORT FILE NUMBER XXXX IT DONT MATCH THE US BANKRUPTCY COURT DOCUMENT. MY CREDIT REPORT WITH XXXX  SHOWS A CLEAR PICTURE THAT LUNDQUIST CONSULTING INC AND PACER HAS A MIX FILE I AM ALSO A VICTIM OF IDENTITY THEFT, MY RIGHTS UNDER FCRA 623 ( a ) ( 6 ) ( b ), FCRA ( a ) ( 2 ) AND FCRA 616, 617, 621 FOR NON COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Every single month I have to speak with shop your Way, Citibank services regarding my account, I am not getting any kind of statement whatsoever at my mailing address so when they process my bills unfortunately it seems that this one is accidentally skipped from time to time which makes me past due. 

Recently I was not notified that I was late whatsoever and it started to reflect on my credit report, I have tried to resolve this issue many times with customer service reps trying to set up automatic payments, trying to access my account online and trying to even just get a hold of some thing simple as my statement. 

I have bill pay set up on my account and provide payments and normally that way and have proof of confirmation of payments when I submit them to my credit card account.

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

Complaint narrative:
Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : 1. XXXX XXXX account 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 2021-01-01 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: FL

Complaint narrative:
Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : XXXX XXXX XXXX account 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 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The debt was placed by XXXX  for equipment returned. it was resolved prior to the debt showing on my credit report as it was returned. Representative 's from XXXX  have attempted to remove this from IC Systems and they still have not complied. I placed a three-way call with XXXX  and IC Systems with XXXX acknowledging there was no debt to no avail. They continue to disregard attempts to remove this and have damaged my credit.

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 2021-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
AMSHER COLLECTION has damage my credit score I have no ideal who or what this company is, and I have no signed contract. They have on my credit report from all three credit bureaus that I owe them {$710.00}. I have no ideal who or what they do can you please help removing this unknown debt off my credit report. I have tried to dispute it on my own on XX/XX/2019. And my dispute reason was ownership and I have no knowledge of the account.

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

Complaint narrative:
The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
On XX/XX/2020, I sent a certified letter with return receipt verification to Nationwide Recovery Systems, XXXX, TX, requesting verification of this debt, including original debtor and account information. According to USPS tracking, the letter was delivered on XX/XX/2020. I received back the confirmation receipt unsigned but postmarked XX/XX/2020. According to my XXXX  and XXXX  credit reports, this collection for {$1700.00} was opened in XX/XX/2020, originally from XXXX XXXX XXXX of XXXX. I have not received any communication, written or otherwise, from Nationwide Recovery Systems, ever, including in response to my request on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last week I received an email from Experian stating my report has been updated. When I logged in their website I found a Debt Collector XXXX claiming I owe {$300.00} and this amount they stated came from XXXX XXXX XXXX. Immediately I filed a dispute with Experian within its own website. 
I have to said this issue has been resolved last XX/XX/2020 because the fact never I owe any money to XXXX XXXX XXXX. I'm enclosing documents in regards Experian should respond to the inquire because this alleged Debt Collector did the report to them directly without even notify me. Please look CFPB Inquire # XXXX along with the dispute debt collection letters I attach it.

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 2021-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Aside from the many issues I have with Santander reporting incorrect information regarding the status of the account and the fact that I never received the rights to cure nor the notice of sale, items were stolen out of the vehicle post repossession in writing to the correct address I also have an issue with details unexplained regarding a response to a complaint in this forum. One of the things is a {$970.00} misc charge and the other is the fact that I am a victim of predatory lending by Santander. There is a {$550.00} XXXX dollar lawsuit that Santander agreed to forgive debts of consumers due to their bad business practices and predatory lending. Attached is a link regarding the settlement via the Attorney general. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Car title loan amount {$20000.00}, monthly payment {$580.00} a month, this amount go to the principal of {$200.00}, and {$370.00} go to interest rate. 
The financial agreement did not show the interest rate in the paper contract.

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

Complaint narrative:
XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late

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 2021-01-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late

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 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: LDF Holdings, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I was charged and I'll be charged again on XX/XX/XXXX. My loan amount has not gone down in the slightest. They will continue charging me over {$200.00} in interest every other week twenty times even though my loan was only {$750.00}. This is a horrendous scam and takes advantage of people in need. 
Mitigcapitol is a scam that doesn't put their fees in the fine print or even tell you about them. I didn't give them any permission to take any direct deposit from my account. They just took money straight from my account. The agreement never said that they would be able to just take money out of my account and have access to my bank. I've read over everything. They're trying to charge over {$200.00} interest for 20 payments plus the payments amount of over {$200.00} for every payment as well. That's extraordinarily well over the amount that was loaned. I was loaned about {$750.00}. I'll end up paying 20 times $ XXXX. This was all hidden and never disclosed to me in the agreement. They're now taking money directly from my account.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-01 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: AmeriCollect
State: NV

Complaint narrative:
The original creditor did not receive my insurance information from the emergency room which was provided. I was not aware of this and now it has been sent to collection and appearing on my credit report. I have contacted the original creditor, collection agency, and my health insurance company since XX/XX/2020 but this still has not been removed my credit report. 90 days is more than enough time to fix this issue. This is negatively impacting my credit and affecting our ability to purchase home.

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

Complaint narrative:
XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late

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

Complaint narrative:
This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently checked my credit reports and the two closed XXXX  XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX  XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
XX/XX/2020. Filed a dispute on donvenmuehle morage there saying I am over 90 days late on all my payments on my house and they know I pay them they known there behide over covid 19 have a recording to prove that one. But the check clear my bank. And you can see when dovenmuehle recover the checks. The recipe date is stamped on the check. Yes the house was in bankruptcy. I was granted a stay because I paid the courts and the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
On XXXX XXXX, I was transferring assets from my account on Coinbase to my hardwallet. I successfully transferred some funds and these transactions were validated via my drivers license and webcam photo. While I was in the midst of this process, I received the following email : Hi X, As a security precaution, your withdrawal of XXXX XXXX on XX/XX/2020 at XXXX PST has been delayed for 72 hours to make sure you authorized it. You can view the withdrawal at Coinbase.com. 

If you did make this withdrawal, no action is required. The withdrawal will automatically be completed in 72 hours. 

In my account, it indicated that I could avoid the delay if I re-authenticated, which I did, uploading my license multiple times as requested and allowing the webcam to validate with my picture. They then disabled my account. When I contacted support, I received this email. 
Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 
Thank you for your patience. 
Kind regards, Coinbase Support ref : XXXX : ref Subsequent efforts to contact Coinbase return this response : We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 
All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 
Thanks, Coinbase Support I have received no further contact nor information. There is no means to call the company unless I have suspected fraud ( which I guess I do - but by coinbase! Not someone else ) 10 days have now passed and all my efforts return nothing but a message that my account has been disabled. I have read online that this is a frequent ploy of Coinbase and I am concerned that I will never get my access returned and they will appropriate the assets in my wallet for their own gain. 

Please help! The Case number they assigned it is Case # XXXX. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MO

Complaint narrative:
For the past 3 months I have attempted to call US Bank to pay off a credit card. I call on the first of the month when payment is due and am unable to get through. My online account was closed when the card was closed and I am unable to log on to pay online. I was told my only option to make a payment is to call. Thats what Ive been trying to do but thats impossible when the bank cant be reached. I always get a message that they are having an interruption in services. When I attempt to email their customer service with the email address provided on their contact us page, its returned undeliverable. 

This account has now been accumulating interest and late fees not due to my failure to pay, but the bank blocking my ability to make any payments. This is not only unethical behavior but potentially fraudulent at the expense of consumers. They have made it impossible to make a payment or even contact someone there to assist.

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 2021-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
So complicated. I had a mortgage with XXXX which I fought a 4 year foreclosure issue on. Got 2 lawyers to settle things. Things were settled. Amount was settled- which included escrowed Flood. Keep in mind I bought my house well before XXXX or even XXXX. In XX/XX/XXXX Shellpoint MOrtgage took over my loan- so after 4 years now my payment jumped to over {$3000.00}! This is after a legal suit that they just changed the payment AGAIN. I called latest lawyer to help- they initially said - " oh this is wrong ''. They said they would help figure it out- then backed down and said it wasn't in their best interest- after getting paid. I am upset - as you can imagine. I have tried to deal with Shellpoint- Still dealing with Shellpoint- just different answers constantly. Very hard to reach escrow dept. 
I was told there was a delinquence in my escrow account and in order to go back to make my payment back to XXXX XXXX XXXX I would have to pay $ XXXX this included 2 months ( which I think should be much more! ) I did anyway with a promise I would get refund- I have gotten {$130.00}?? I don't even know what that is for? Not escrows~ I have called literally everyday last week and emailed. This is a bunch of junk. They have over anywhere from XXXX XXXX_- {$8000.00} in my account. I need my money. I have volunteered always to pay my XXXX XXXX XXXX- They have plenty in Escrow. I need help. 

OK, I am currently STUCK in XXXX XXXX  XXXX . I have been since Covid. I am waiting on a Visa ( different from passport- which I have ). It is a long process. I can be reached via email- XXXX. I have an app called Text Now- XXXX. Other US numbers would be have to be answered by my friend taking care of my house. 

Shellpoint Mortgage XXXX XXXX XXXX, SC XXXX Account XXXX Ph- XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Don't know what you might need. I have only been with Shellpoint since XXXX XXXX a mess ever since. It is my understanding that when a mortgage gets transferred without any knowledge of mortgage holder- the terms of previous loan! And if the new mortgage holder changes/ and or/ does not pay the ONLY bill ( Flood ) which was in XXXX correctly- it should give me permission to pay my own bills. I pay XXXX, XXXX, Property tax- why do they mess it up so badly- granted- it is a XXXX XXXX compound- not one can get it! I can. I want control! If I don't pay- got ahead add escrows- but that won't happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation