vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed while preparing to buy a home that I had a lot of activity that I didn't sign off on I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I have been writing in about this issue for a while and I am at a loss. once I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account BalanceXXXX Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$6200.00} Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$4000.00} Account Name : US DEPT OF ED/XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$21000.00} Account Name : XXXX  XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$12000.00} Account Name : US DEPT OF ED/XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name XXXX XXXX XXXX  XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Purchased 2/ {$50.00} " Vanilla Visa gift cards '' from XXXX XXXX XXXX XXXX. Tried to use one card for purchase only to learn there is no credit available. Contacted Vanilla Gift cards " InComm Dispute Department XXXX '' ... Was recently advised it will take minimum 90 days for resolution, a total scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OCEANSIDE MORTGAGE COMPANY
State: GA

Complaint narrative:
I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with Oceanside mortgage service. During this time, Oceanside has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXX XXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXXceanside, and 2 years prior to this, Oceanside gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XX/XX/XXXX dispute and the CFO of Oceanside supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I was asked to verify again in XXXX and provided them with a passport photo which was accepted and got the account unrestricted but then a few months later i received an email telling me my account would be restricted again as my account was under review, a process that they said would take a few days. I dont mind having my buy and sell capabilities suspended but i cant even send my assets to a different exchange. They ignore my emails, customer support requests and tweets and it seems like my money is gone forever, they have taken it with no route to get it back. Coinbase are doing this to many people and its unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 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: Google Compare Credit Cards Inc.
State: WV

Complaint narrative:
I have opened many wallets and bank accounts. I am homeless and this is the direst result of this. Google or someone that works for google blocks every email or device i have and any car or account i have. its not just google. its XXXX XXXX, different bank accounts, its every payment source. I verify my identity over and over and they tell me they wont accept my documents. My banks block my accounts and give it to others to use. I need help before i end up dead. I am the owner of a foriegn bank and im broke and homeless because of the internet.My identity is being stolen. Postal workers are stealing my mail. Boyfriends steal my info and somehow make themselves my power of attorney. XXXX ca says im a juvenile. And so does everything i have. my phone my bank accounts etc. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: PA

Complaint narrative:
On XX/XX/2020, during the stay in place shelter Covid-19 pandemic. I began to receive mutiple threatening phone calls from IQ Data International , IncXXXX XXXX XXXX Washington . I send a certified letter disputing the debt, I called IQ Data on the phone disputing the debt, ALL THE EMPLOYEES told me I'm a liar, I need to pay my bills! I owe the debt & IQ data wants thier money!! I send emails with documents proving I don't owe the debt. IQ data has REFUSES to remove my debt out of collections. IQ Data International RUINED my FICO score, my FICO score was decreased by 100 points. IQ Data International is a SCAM collections agency. I contacted XXXX & XXXX to dispute the FRAUDULENT collections debt. It's illegal to collect a FRAUD BILL! I do not owe money, I will not be harrassed or threatened by IQ data to pay a debt, I do not OWE {$660.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX  dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping 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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping 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 2021-02-12 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA

Complaint narrative:
I had an account with Castle credit for a XXXX  vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
This company placed a collection account that was result of identity theft and I previously notified them of such, but they are still attempting to collect on this fraudulent account and placed it on my credit report. Despite me advising them that it is identity theft. I have I have included an additional identity theft affidavit that I recently filed to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Loan was refinanced away from Exeter finance to my own private credit union, XXXX XXXX. Exeter sent a letter to the dealership directing them to send my refunds for both gap insurance which was for {$790.00} and XXXX  XXXX insurance in the amount of XXXX be sent directly to them. They from the gap insurance refund deducted {$82.00} from that check which they sent out to me and from the XXXX  XXXX insurance deducted {$36.00} from that check and for no good reason holding that check until XX/XX/2021 in case as they say something else come in on the account even though the account is closed and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX for a XXXX vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit 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 2021-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account with XXXX XXXX  for a XXXX vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit 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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
not original creditor account already has being move once for inaccurate information by a different company my credit score has drop over 40 points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have over 84 inquires from car companies all over the united states. I advised all 3 credit reporting bureaus that there is no way I asked for all these attempted accounts. The items have still not been removed from my credit reports and I submitted letters asking them to be removed or I would come to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: GA

Complaint narrative:
I have over 84 inquires from car companies all over the united states. I advised all 3 credit reporting bureaus that there is no way I asked for all these attempted accounts. The items have still not been removed from my credit reports and I submitted letters asking them to be removed or I would come to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are a lot of inquiries on my report that I did not authorize those companies to do and I need them removed from my credit report 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 2021-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was scamed out of money for a person a thought was a person turned out not be for XXXX XXXX dollars around XXXX of last year it was inter net dating  on line Im having a rough time paying things because of it at times

Company response to consumer: Closed with non-monetary relief