vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I try to get all three of my credit history from XXXX  TransUnion XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I try to get all three of my credit history from XXXX  XXXX  Experian and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to

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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
To whom it may concern : My name is XXXX XXXX & my email address is XXXX - I am sure its aware that you had more dealings with me during the Obama admin. Speaking of him, I have to also be realistic as everyone from news to ppl on the street continue saying, if you do what you do how many people really know what you do. For myself, one day during Obama, I go on your site and it was the first one I ever seen that said an official site of the United States govt.. From my prior experience, I wrote to you regarding private companies and state governments. I think that so much of what I do, obviously I have no idea that my future consists of xyz. I still go through craziness but have to remind myself that not only dont I have one tattoo on my face saying XXXX - but even here in XXXX XXXX, where I think anyone walked right by me could be XXXX and Im sure a few were. But the thing neither you guys and others will never get is that in that oath that many take to protect from enemies far and within, you do get how no one having an inkling I am XXXX, treat me like as they treat everyone but when my agency uses its ability to control realities, to control mine and an experience that I experience whatever I do not even an inkling of having the Supreme Court rule if its constitutional or not. Post XXXX, anyone or any company that i complained to you about, you took care of the situation. Yes Im XXXX but in this world that I have to just understand that if what I experienced was XXXX up and as with Obama and others would say that I am as fair as it gets, for someone who is known to have no rules or laws to live by, why dont I just get this issue fixed? Here goes. 
You know coinbase.com / last week, I lost one of my XXXX  here in XXXX. I called coinbase to temp disable access to my account until I tell them further. For the past week, I changed my coinbase password some six times. Id go two days of their automatic messages saying since covid, theyve been getting massive amounts of phone calls and either tell me they will call me back and never do. The other option Ive received is just hanging up on me. Isnt their its not a right but its closest to a right, its us law. Isnt their a us law that states financial institutions that knowingly and wilingly holds a client from their funds then in my world, that financial institution has no place in our society. I literally have like XXXX in that account and it doesnt matter if its XXXX dollar or XXXX XXXX coinbase sent me an email that I attached to this and says, your acct recovery process is done, just change your password and youll be logging back into your account. Its been eight days that coinbase, knowingly and willingly held me from my funds. Its a national emergency with covid and its an emergency for. Me to gain access to my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: VT

Complaint narrative:
Since XXXX I've been disputing a collection that was taking out on my credit. 

Year of XXXX this dispute started using a law office to come after me for collection of funds. Every time the government issued a stimulus check, the collection efforts increased. Including in XX/XX/XXXX, attempting to sure in small claims court. 
I'm on XXXX and my income is exempt from collection. I responded to the small claims court, including sending the company the copy of the letter as I was told by the paperwork from the court. 

Now today XX/XX/XXXX, the attorneys sent shriff to serve me the same court claim for suit. I was very confused as I had already done as stated before. The shirff said he was sorry, that he felt they were using his service to intimated me. Said as long as the claims have the same docket number, then I have answered correctly and need to wait to hear from the court. 

Company XXXX XXXX, XXXX as assignee of XXXX, XXXX XXXX. Principle amount XXXX and now claiming XXXX Info says XXXX XXXX XXXX XXXX, blacks out # acts and amount. Says cut off date XX/XX/XXXX. Sale id XXXX Their using attorneys out of Massachusetts. 

This collection used to say XXXX dollars that I was disputing. Then ever year it went up more. They've increased their tactics in trying to force me to collect this debt, because it's been almost 7 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Simple was closing and converting accounts to BBVA. Simple account access fully shut down. BBVA will not allow access to new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I paid XXXX XXXX XXXX  in full and closed my credit card account. XXXX XXXX XXXX then sold the paid account to Resurgent capital services. XXXX XXXX XXXX reported to my credit report, I disputed the matter and proved the payments were made and that I closed the account. XXXX XXXX report was found truthful and deleted from credit report. Resurgent capital services has failed to acknowledge the payments made to XXXX  XXXX XXXX and has reported the charges to my credit report. I have tried multiple times to prove that the account they are trying to collect on, was in fact a paid and closed account. I have provided evidence of payments & credit report status stating the account was paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS IS XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY. I AM ALSO USING THIS COMPLAINT, AND EVERYTIME YOU GUYS RESPOND BACK WITH A STALL TACTIC RESPONSE AS EVIDENCE IN MY LAWSUIT AGAINST YOU. I AM NOT GIVING YALL MY XXXX ID, PROOF OF ADDRESS OR ANYTHING EITHER BECAUSE I DIDNT GIVE YOU PERMISSION TO PUBLISH INFORMATION ABOUT ME IN THE FIRST PLACE. THIS IN ITSELF IS A VIOLATION OF UNITED STATES LAW 15 U.S. CODE 1681B. 

I HAVE FILED COMPLAINT XXXX AND COMPLAINT XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter in regards to inaccurate and unknown things on my XXXX credit report. These accounts are adversely affecting my credit report and ruining my chances of obtaining credit. You guys should know this is not a XXXX regular dispute either, I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my I do not recall any of these accounts. I need this problem fixed IMMEDIATELY. I will not wait another 60 plus days to receive no response because clearly yall arent doing your XXXX job. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you cause me. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has already been more than 60 days so they should be deleted XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans / Rocket Mortgage made a promise to me that they only sell the servicing of jumbo mortgages, and they will service my loan for the life of the loan. ( Call their sales department and ask if they will sell the servicing of the loan, they still make that promise ). They lied and sold it anyways to " XXXX XXXX XXXX '' who refuses to take payment or even put someone on the phone without paying XXXX. The terms of my loan are not supposed to change. 

Adding a XXXX fee is changing my terms. Lying about never transferring the servicing of the loan is also unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My loan was sold from XXXX to Specialized Loan Servicing. XXXX XXXX promised not to do this, but that is a separate complaint ). 

I called specialized loan services to make a payment and they want to charge me almost 13 dollar in fees. When my loan is sold I was under the impression terms were not allowed to change. 

I can not even get a person on the phone for Specialized Loan Servicing because of their phone menu. ( I implore you to try it ... it is a test of patience, and is designed to deny customer 's ability to get help ). 

I tried using the online service and it wants me to setup cell phone two factor things, and other confusing things. They recommend calling their support number for help and then don't let you get a person. 

I can't find my account number, can't get ahold of anyone, have no idea how to pay, and am being forced to pay an extra almost 13 dollars per month.

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 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: KS

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAIN Acting as a debt collector Account Resolution Corporation is in violation of FDCPA several times. I notified them on XX/XX/2021 and XX/XX/2021 with notarized certified mail return receipt. Below is a list of the violations I alerted them of when I sent them a Cease and Desist, Affidavit of Truth with Exihibits of all violations, and invoice. I documented 18 violation they are criminally and civilly liable. Account Resolutions Corporation is civilly liable based on 15 USC 1692k. Below are the violations contained in the the Affidavit sent and the number of times each was 15 USC 1692 ( e ) ( 10 ) violated 8 times 15 USC 1692 ( b ) ( 2 ) violated 10 times Account Resolution Corporations failure to respond to the notice within 30 days is in itself a violation and warrents immediate removal of all deragatory marks from my credit report. 

Attached to this CFPB complaint are unnotarized copies of the notarized documents sent to Account Resolutions Corporation on XX/XX/2021 and XX/XX/2021. My affidaviat, cease and desist, and invoice are included. I have with held the exhibits because there are 16 pages todate and will continue to learn of more violations as Account Resolution Corporation is obviously in sevre violation of numerous sections of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
Hello, I submitted a dispute with Transunion on XX/XX/XXXX regarding incorrect late payments reported by XXXX on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. The response I received from Transunion did not even address the dispute or questions answered.

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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I noticed a collection account by I.C. System on my credit report. I sent them a data validation to send me any contractual agreement information that I have with I. C. System. They are stating that I owe this alleged debt but I have no recollection of this company or account. To my knowledge, it is illegat to collect money for something when you do not have any legal standing to collect that debt. They are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. By the inaccuracy they are reporting two completely different information to the credit reporting agencies. This is unfair practices and it needs to be removed.

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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX, XXXX XXXX " original creditor '' assigned a debt to LVNV Funding, LLC, who in turn retained the XXXX XXXX XXXX, XXXX, to pursue a claim against me for a debt that I have consistently maintained I did not open or authorize any person to open. The alleged debt is less than {$2000.00} ; however, the XXXX XXXX XXXX, XXXX refuses to accept my contention that I have been the victim of identity theft multiple times with different credit card accounts. I submitted a Debt Validation Letter to the assignee LVNV Funding, LLC and in response, LVNV Funding, LLC provided me with a bundle of account statements with much of the information redacted, thereby rendering their attempt at debt validation futile. Moreover, none of the documents provided bears my original signature. Neither creditor has provided, despite my request, a Credit Card Agreement or any document that bears my original signature, evidencing my request for credit. This fact notwithstanding, I was so overcome with high-pressure collection tactics and threats to damage my credit, I relented and made several payments to the alleged original creditor before I decided to take affirmative action to defend my good name. 
Please stop the high pressure collection tactics of this creditor and its lawyers. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MD

Complaint narrative:
On XX/XX/2021 I submitted a credit application with XXXX XXXX in XXXX, SC. A few days later I received a text from Vanderbilt Mortgage asking me to call them at XXXX XXXX XXXX. When I called I was told that they had sent me an email with the terms of the offer. I told her that I never received the text. She then told me the terms of the offer, 6.7 % for 23 years along with other specific. Later, I send them a text requesting a written copy of the offer. As of today, I have not heard from Vanderbilt Mortgage not have I received a copy of the application I submitted with 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 2021-05-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a dispute on my chase credit card for fraudulent transactions. The merchant XXXX sent me 2 different emails. One alerting me to fraud on my XXXX account. The second notifying me that the charges were determined to be fraudulent and that they would be refunded. Chase refused to refund the charges, even after providing them these email evidences from XXXX. Chase has zero reason for denying this claim outside of greed. Even the merchant agrees. After reviewing my documentation emails and review the attached Chase statement with the refunded charges that were reapplied, you can see clearly that Chase has all the evidence and even merchant admittance to refund these charges. Chase even has documentation of the merchant saying that they would personally refund these charges. Chase Bank 's failure to rectify this situation just shows that they are acting recklessly. This goes beyond a simple mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I used my paypal account in XX/XX/2020 to sell some goods and services, and then in XXXX of paypal, my account was frozen for no reason. Then I was asked to wait 180 days before I could get back the funds in the account. I have been waiting for the information to be retrieved, but when I logged in to my account, I found that on XX/XX/XXXX, Paypal transferred about XXXX USD in my account without my consent for no reason. It didn't give me any reason. I sent a message to paypal, but I didn't get any reply. This is not what PayPal does for me alone, PayPal often does this. I think paypal is a robbery, he is stealing money from his users. please help me.

Company response to consumer: Closed with explanation