vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today, XX/XX/2020 I received two ( 2 ) letters from Capital One after CFPB had contacted it. However, the said letters state Capital One was unable to contact me by mail. That is not true. Why did I recently receive the two said letters via mail? Then the states to contact Capital One Online Banking Department. I have done so several times and no tangible, corrective results. I must either locate a branch of Capital One that will only take cash, not debit card. Online rejects me as usual. Someone in administration at Capital One must contact me to assure corrective action will be taken and applied. 

Thank you CFPB for involving in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


XXXXXXXX XXXX Open XXXX XXXX XXXX remove inquires XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquireis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 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: IL

Complaint narrative:
This account was opened fraudulently on XXXX/XXXX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my 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 2020-07-07 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: IL

Complaint narrative:
This account was opened fraudulently on XX/XX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: IL

Complaint narrative:
This account was opened fraudulently on XX/XX/XXXX  and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my 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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Accounts Management Services
State: IL

Complaint narrative:
The account was opened fraudulently on XXXX/XXXX/2015 and has left the balance of {$130.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


XXXX XXXX XXXX XXXX XXXX


Also remove inquires

XXXX  inquires 

XXXX XXXX XXXX XXXX   

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I asked for documentation verifying the account to be sent to me directly following my dispute. The account in question XXXX XXXX XXXX is 7 years old and is still reporting to Equifax and XXXX. I was sent a letter stating the account has been verified as accurate, but the dates are incorrect and should have been deleted at the seven-year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CO

Complaint narrative:
When I noticed the debt on my credit report, I attempted to contact the contact : Enhanced Recovery as they were listed on the credit report. 

I spoke with an agent after negotiating with XXXX XXXX XXXX XXXX and Enhanced Recovery that the debt would be deleted if paid. 

Enhanced Recovery notified me that they would delete the debt once I paid the agreed upon settlement. I requested a letter in writing or via email before payment. The representative stated they could not send the letter until it was paid. 

After calling Enhanced Recovery, A XXXX XXXX XXXX and credit bureau about the misleading statements, no one has deleted the collection. 

I called Enhanced Recovery several times and explained the misrepresentation when I made the payment. Several agents have responded with, " we do not pay to had the collection remove, call the credit bereaus. '' Another stated, " ask the credit bereaus what to do to have the debt removed and have them remove it. '' I have asked for a manager, no call as of current and have called daily. The company Enhanced Recovery lied to me, took my payment ( verbal contract which is valid since they received payment ) and did not keep their end of the agreement. 

Please assist as I have done everything I was supposed to do as I could and have fixed my credit in order to rectify my life as it is affected by the reporting of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TX

Complaint narrative:
FTC Violations XXXX XXXX XXXX {$20000.00} # XXXX XXXX XXXX {$350.00} # XXXX XXXX XXXX {$66.00} # XXXX XXXX XXXX {$79.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$780.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} # XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of 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 2020-07-07 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: TX

Complaint narrative:
FTC Violations XXXX XXXX XXXX {$20000.00} # XXXX XXXX XXXX {$350.00} # XXXX XXXX XXXX {$66.00} # XXXX XXXX XXXX {$79.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. {$780.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} # XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I was charged 4 days of interest on two loans, simultaneously. I asked XXXX XXXX XXXX XXXX ( the escrow company ) and the person handling my escrow referred me to the loan officer. The loan officer referred me back to the escrow company. 

I paid United Wholesale Mortgage interest from XX/XX/2020 to XX/XX/2020. 
I paid interest to XXXX XXXX from XX/XX/2020 to XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is a collection that was PAID IN FULL LAST XX/XX/2019 PLEASE SEE CHECK OF FULL PAYMENT DONE XX/XX/2019 IC SYSTEM IS COMMITTING FRAUD, THEY ARE REPORTING ME FRAUDULENTLY BASED UPON A collection that was PAID IN FULL last XX/XX/2019 PLEASE SEE EVIDENCE OF PAYMENT. 
IC SYSTEM IS DESTROYING MY CREDIT REPORT BASED ON FALSE INFORMATION THEY ARE REPORTING. 

CREDITOR : XXXX AKA XXXX XXXX IC SYSTEM MUST DELETE THIS FRAUDULENT COLLECTION ACCOUNT OUT OF MY CREDIT REPORT EFFECTIVE IMMEDIATELY.

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 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
rcvd a collection notice which I will download. XX/XX/XXXX. This involved Auto Insurance and my personal Health Insurance. On XX/XX/XXXX I received an invoice from the same provider, stating that I had a balance of {$23.00}, which I paid. That was it. This started in XXXX. I received this collection and contacted the CREDITOR, 5 times, spoke to XXXX XXXX, they made no demand nor they gave me any information regarding an owed debit. Received an email stating that she was looking into the matter but never called me back. This has been way over a month. On the other hand, I also sent 3 emails to the collection Agency requesting more information and explaining everything and also requested that they inform me. Never heard from them. 

Please inform How much longer do we have to deal with companies like this? How much longer are these people going to do whatever they want and nothing happens! One way or the other this has to stop. 

I certainly hope that Honesty and Integrity play a roll. It will get nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is reporting my accounts late when I am currently in school. I was unable to reach them during the Covid crisis nor was I able to reach my school and now Navient is basically are saying too bad. 
The following is incorrect : 1. accounts are reporting late 2. accounts reporting closed Furthermore these accounts are reporting on my credit report twice each. 
I do not understand why Navient is not held to better standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.

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 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Currently hold a mortgage with Freedom Mortgage. The mortgage is and has always been in good standing. I was looking to refinance to eliminate Mortgage Insurance. I called Freedom on XX/XX/2020 to start the refinance process. 

On XX/XX/2020, I received an email that there was a lien on my property, as a result of a business transaction. Within the email I was told that I needed to hire an attorney, which they referred, to file a Homestead Affidavit as Release of Lien. Once filed we could then proceed with the closing. 

I hired XXXX XXXX for the task and the affidavit was filed with XXXX XXXX on XX/XX/2020. A copy of the filed affidavit was sent to Freedom Mortgage and XXXX XXXX XXXX. 

Since then despite my repeated attempts to obtain a status nothing has been forthcoming from Freedom. XXXX XXXX, my original contact, told me that he was re-assigned and no longer handled mortgages. The person he referred me to, told me that she was not handling my case. 

On XX/XX/2020 I sent a letter via email to XXXX XXXX, detailing my experience with Freedom. No response. On XX/XX/2020 I Certified Mail the same letter to XXXX XXXX. It was received and signed for on XX/XX/2020. No response through date. 

I have spent almost {$1300.00} between legal fees and appraisal costs. I would like a response as to why we have not proceeded with the refinance.

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 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UHG, LLC
State: WI

Complaint narrative:
I received multiple phone calls from someone saying I will be at your door if you do not answer the phone in XXXX. 

After researching UHG I LLC, I found that a company named XXXX XXXX XXXX share the same mailing address. 

I discovered XXXX XXXX XXXX has numerous XXXX   complaints against alleging similar, if not the same exact tactics that were used toward me. 

I am under the impression that UHG I LLC ( United Holding Group ) contacted me in XXXX and violated the Fair Debt Collection Practices Act in the same manner. 

I have never done business with either of these companies and I have no debt with them. I believe the public should be made aware of their illegal communication tactics either past or present which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/2015 I paid XXXX XXXX XXXX {$2200.00} for a account for wells fargo ( original account number XXXX ). Since that time I have had over 20 different collection agencies calling me threatening to sue me for this debt. When I contact Wells Fargo they have no knowledge of the account because of the age of it. The recent company XXXX XXXX XXXX phone number XXXX contact me on yesterday and was very rude and told me legal actions will be placed against me for this matter. 

This wells fargo account is outside of the statue of limitations to be collected on plus I paid it. This account does not show on my credit report at all. Can wells fargo or any collection agency collecting for them cease the harassing phone calls and the threats asap.

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 2020-07-07 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: NJ

Complaint narrative:
I never had a XXXX account why is it on my credit Equifax is the only credit bureau who didn't delete it. I was XXXX when the acount was open. I didn't have an account or a job please delete its not mines please delete XXXX XXXX XXXX XXXX from my credit unin from my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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:
On the date XX/XX/2020 a tansfer of XXXX XXXX XXXX  or {$600.00} in today 's value from Coinbase Wallet to Coinbase.com. The funds were never received and I used the correct address for receiving the fund. I saw the funds deposit on my Coinbase account then disappear a second later and never come back. I have a copy of the transaction on the XXXX XXXX to prove the transaction in fact happened and that it was complete. On the Coinbase.com wallet, it doesn't show that the funds were ever received, sold, or converted. The coins just disappeared and the two wallets are owned by Coinbase. Customer support for coinbase has been very unprofessional and keeps dragging out the case. The case number for my case through Coinbase is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Interstate Recovery Service, Inc.
State: GA

Complaint narrative:
I keep getting calls from interstate recovery collections threatening me that they have a recording of me ordering over {$1000.00} worth of magazines. I do mot think this is accurate. I dont read magazines and they call constantly from different numbers threatening to send this recoding somewhere although they don't say where when i ask. Then they get nasty and hang up on me. I'm sick of this.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}

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