vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: OH

Complaint narrative:
On or about XX/XX/2021 I applied for an received approval of a leasing agreement with American First Finance. On or about XX/XX/2021 I cancelled the account because the merchant was unable to fulfill my order within the agreement terms of my leasing contract. 
I spoke with an agent at American First Finance who was kind enough to assist me in closing our my account with American First Finance and I was refunded my down payment.

A few days ago, I was checking my credit in readiness to purchase a home and saw that on XXXX  credit report American First Finance is reporting that I have an open Auto Loan with them with an open balance of {$2500.00}, which is incorrect. 
On XX/XX/2021, I contacted XXXX XXXX XXXX and spoke to someone by the name of XXXX who said that American First Finance can not and will not correct the information being reported because according to his record, my account is still open. I asked him about the " auto loan '' and told him that also was incorrect and he said that's how they report all their accounts. 
I find this information to be highly annoying and incorrect at the least as it's giving wrong information to my current and prospective creditors and I want this information removed from my credit report immediately. 
This incorrect information is negatively impacting my credit score as it increases my income to debt ratio and it showing that I have an open auto loan with American First Finance, which also is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Nelnet, Inc.
State: GA

Complaint narrative:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: DISCOVER BANK
State: MA

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX 5. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from 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 2021-06-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from 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 non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover processed a XXXX from the State of California without notifying me. They claim that they sent al latter on XX/XX/XXXX or XX/XX/XXXX but the letter was XXXX received. I contacted them on XX/XX/XXXX to ask about an official check that had been issued in the amount of {$520.00} and that when I found out about the levy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase has failed to issue 1099 's to consumers, which makes it almost impossible to calculate taxes owed to the IRS. Coinbase says they replied to a case, but they failed to give me my 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: DISCOVER BANK
State: GA

Complaint narrative:
this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
I received my dispute results from Equifax stating the XXXX inquiries from XX/XX/2020 and XX/XX/2020 have been deleted from my credit report. 

However the inquiry from XX/XX/2020 is still reporting and was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: U.S. BANCORP
State: TX

Complaint narrative:
In the month of XX/XX/2021 U.S. Bank system some how drop one digit from my auto payment account causing a missed payment on a loan. I contacted the bank and no one was able to tell me why this happened. I was told to fill a dispute that's all. I have tried multiple times get this resolved but get little response from the bank.

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 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/XXXX my husband XXXX XXXX XXXX got XXXX  and was XXXX  from XXXX until XX/XX/XXXX. We have reached out to Capital One and the credit agencies regarding the last payments that were posted to his account, Under the Care Act, creditors are not supposed to report late payments due to the pandemic, We are homeless and are trying to purchase a home but the late payments report is not allowing us to purchase a new home. We need this incorrect information to be removed so that we can apply for a VA home loan. my husband 's name is XXXX XXXX XXXX ssn XXXX and dob XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a text alert from my credit monitoring service, XXXX. On XX/XX/2021 they notified me that an account was opened at TD Bank without my authorization or knowledge using my personal information. I subsequently contacted TD Bank and they confirmed that an account had been opened, and that in order to open this account with them my Social Security number and drivers license information wouldve had to have been provided. Of particular concern and interest to me is the fact that one week prior I had purchased a new vehicle for myself and also a vehicle for my wife from XXXX XXXX XXXX  XXXX Pennsylvania at which time my drivers license and Social Security number was provided to the dealerships for the financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
The credit card transactions in the amounts of {$100.00} and {$50.00} were timely disputed with the issuing banks. The merchant XXXX XXXX XXXXXXXX XXXX XXXX XXXX " XXXX '' ) did not respond to these disputes. As such, the banks credited back the respective amounts to my credit cards and closed the disputes. 

Several weeks after the disputes were closed by the banks in my favor, XXXX reported these amounts to Fair Collections and Outsourcing, Inc. ( " FCO '' ) as checks returned for insufficient funds and further added returned check charges of {$25.00} and {$35.00} respectively. ( See attached verification ) This is a FALSE REPRESENTATION because no checks were involved in any transaction. XXXX and FCO have attempted to portray that the closed credit card disputes were in fact returned checks. Neither XXXX nor FCO has provided me a copy of any returned check.

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 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I contacted Phoenix financial Services Inc on XX/XX/XXXX because I am in the middle of refinancing my home and just discovered that this company is reporting 2 separate collections debts on my credit report. On XX/XX/XXXX when i called I spoke to a XXXX XXXX I was told there is no pending debt they no longer have the debt in their offices and that this account had been sent back to the originator. I was very upset that this company has ruined my credit reporting accounts they do not own. I requested a letter to be sent to me stating that I do not owe this debt to them and I was told by XXXX that he would be mailing me a letter and having this removed from my credit report. However, 2 weeks passed by I still haven't received a letter from them I contacted them again because I am on a time crunch time since I am in the process of refinancing my home and need the letter and debt off my credit report. I called on XX/XX/XXXX spoke to 4 different representatives which 2 confirmed once again the company does not have the account in their offices. I was trying to resolve this matter I spoke to a supervisor who was extremely rude and stated they had no record of my call with XXXX. He demanded that I pay the debt that other representatives clearly told me they no longer had in their offices when i refused and asked for proof he hung up the phone. I have attempted to access this information online with the account account number that was on a letter I received from them, but I am not able to pull up any information. This leads me to believe that they do not own the debt and they are illegally reporting a debt on my credit that I do not owe and trying to reage the debt with a new account number. This has affected my refinancing rate that has now gone up because they failed to send me the letter and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX someone hacked my cash app account and pulled {$150.00} from my XXXX XXXX XXXX XXXX debit card. Immediately after, the hacker attempted 5 transactions that were canceled by cash app. The transactions were as follows : To XXXX for {$150.00}, XXXX XXXX for {$100.00} and {$50.00}, XXXX XXXX, and {$120.00} to XXXX were all canceled. I attempted to cash out the money back to my card and close the app before my money was taken but kept receiving an error, I could not get in touch with anyone from cash app and I went to my bank to file a dispute and get a new card which they gave me a hard time. The bank told me they couldn't treat it as fraud until they investigated. The person then cleared the {$150.00} from my cash app with the following transactions XXXX XXXX XXXX XXXX, XXXX, XXXX and a cash out to XXXX XXXX bank in the amount of XXXX. I have never heard of XXXX XXXX cards and I do not have a XXXX XXXX XXXX  account. You can also see from the screenshots where they tried to take more money even after all the money was gone. When I saw the bank denied my claim, I called the branch the reps told me they could not help me and hung up. I took the proof to the branch, they still told me they could not help me. I reached out to cash app via email and received a response stating they had no further information for me and to reach out to my bank. BEWARE of XXXX XXXX XXXX XXXX, I recently found out this happened to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: CA

Complaint narrative:
I re-financed my home through Equity Prime mortgage ( NMLS # XXXX XXXX. I borrowed some additional funds in the loan to do repairs on my home. It was an FHA loan. An appraiser evaluated my home and made the appraisal contingent on some repairs being done on the house ( peeling paint removed ). Equity Prime stipulated in the loan agreement that some funds would be held back to ensure the repairs would get done. Once the repairs were completed, they would release those funds to me. After getting an estimate for the repairs, it was determined that XXXX dollars would be held back. The loan closed in XXXX. On XX/XX/XXXX, I emailed my contact at Equity Prime and informed them that the repairs had been completed. On XX/XX/XXXX Equity Prime received the final inspection report. I informed Equity Prime that I had already paid the contractor out of the initial funds I had been issued. I attached a receipt from the contractor that showed I paid for the repairs in full. Over the next 4 months I contacted the company numerous times through email and telephone asking why I have not received the held back funds. The answer was always " We don't know why this is taking so long, we are sorry, we will look in to it. '' Finally, on XX/XX/XXXX, they sent me an email stating the accounting department wanted documentation that showed I paid the contractor. I sent copies of two checks and a printout of a cashier 's check, all made out to my contractor. I have heard nothing since.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: PA

Complaint narrative:
I had applied for XXXX on or around XX/XX/2021 and XXXX on or around XX/XX/2021. Both companies obtained my background check through Checkr. Checkr in both reports incorrectly reported criminal charges that were withdrawn in court preventing me from obtaining employment both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
On XX/XX/2021 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 a failure to investigate these items within 30days 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation