vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
XXXX XXXX requested that I file a complaint with your agency in reference to account number : XXXX. Im disputing this account and XXXX XXXX XXXX is also working with me to clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Bonneville Billing and Collections
State: ID

Complaint narrative:
Bonneville Collection - XXXX & XXXX & XXXX - are reporting on my credit file in error. I would like to see proof or signed verification. I have disputed them a couple times now with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: ID

Complaint narrative:
XXXX XXXX - XXXX & XXXX & XXXX - are reporting on my credit file in error. I would like to see proof or signed verification. I have disputed them a couple times now with no response back.

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 2021-03-23 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: GA

Complaint narrative:
XXXX XXXX  is reporting on my credit file and I have never had an account with them. My name is very common and I often have issues with Mixed files. 
I called XXXX XXXX and was on the phone for over an hour and they can not find me in their system under any of my information. They also agreed that maybe it is another XXXX XXXX that is accidentally reporting on my credit or this is fraud. I need this removed as there is nothing you have on file with my information.

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 2021-03-23 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:
XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}

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
Consumer complaint received 2021-03-23 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}

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
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.

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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I noticed some incorrect information on my credit report. I have never had an account with the XXXX XXXX XXXX  I have never traveled to Missouri nor have I ever lived there. My credit report states that I have a balance of {$410.00} with the XXXX XXXX XXXX. I believe this is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't revived any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
2 years I contacted company with these errors they refused to comply with the FCRA so I am asking for deletion of account 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 2021-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
During a recent application for pre-approval of a potential loan, I was made aware of the " high balances '' reported in my credit report by all three agencies. Investigating the source led to the conclusion that Capital One was reporting incorrect " high balances '' on my two credit card accounts with them, and negatively effecting my credit score to some extent. As evidenced by the attached credit report and credit summaries, I have never had the " high balances '' stated for the particular time period of XX/XX/XXXX to XX/XX/XXXX. The credit report has the actual monthly balances reported by Capital One and their report of the '' high balance '' for that period. Their reported " high balance '' statements do not match their own reported monthly values. I submitted a formal complaint to Capital One due to what I perceive as an individual or potentially systemic error in their reporting of high balances. The Capital One complaint and their brief reply have been attached. They report a high balance of {$14000.00} when the actual high was {$5000.00} for my XXXX limit card. For my XXXX limit card, they report a high balance of {$4200.00} verses an actual of {$2900.00}. The card balances are paid in full each month. 
If these numbers are correct as they have replied, please state the month in which they occurred! How are their reported high balances computed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: SC

Complaint narrative:
Unauthorized Inquiries On My Account. Cant Get In Contact With Anyone From Experian.

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 2021-03-23 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: AL

Complaint narrative:
XX/XX/2021, I sent a letter to Experian, in regards to the accounts that were inaccurate and needed to be fixed. I gave them the 30 days which is determined by law and on XX/XX/2021 I sent a follow up letter stating to them ok it has been 30 days I need to see what has transpired of the reinvestigation, but I still have yet to hear anything and it is now 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 non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
We worked with Cardinal Financial Co. to refinance our house in the Spring of 2020. After closing, Cardinal, via their settlement company, XXXX XXXX XXXX XXXX XXXX made the first property tax payment on our house shortly thereafter. The loan was subsequently sold to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX became the servicer. 

We received a 2020 IRS Form 1098 for the property tax from XXXX for the second tax payment of {$2100.00}. We did not receive one from Cardinal. I have had numerous calls with XXXX who eventually told me that the only person at Cardinal who could do anything was the agent, XXXX XXXX. I have called XXXX XXXX and left messages and have emailed him three times with absolutely no response. I was told in XXXX that the 1098 had been mailed out and that I should get it in a week or so. I didn't. In trying to contact someone at Cardinal I kept being looped back to XXXX who told me that that could not issue a 1098 for a payment that they didn't make. Finally a gentleman at XXXX referred me to XXXX XXXX XXXX and they emailed me a copy of the check that was issued by them on behalf of Cardinal for the first property tax payment.

I still can not get in touch with any responsible party at Cardinal and have asked that my account proceed to file our taxes without the missing 1098.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclay 's seems to delay posting of payments, perhaps to earn fees. This has happened a couple times, but they haven't charged me any fees ... until now. 

I mailed two payments onXX/XX/2021 : Check XXXX XX/XX/21 XXXX Check XXXX XX/XX/21 XXXX These checks should have reached them and been posted by the payment deadline of XX/XX/21. 

Today ( XX/XX/21 ), I received a statement incuding {$27.00} late fee and {$28.00} in interest. 

I feel like Barclay 's has intentionally chosen a payment address ( California - I'm in Illinois ) to maximize fees and interest. If they provided a closer payment address, payments would be subject to less delivery time variance. 

But I'm not convinced that is the only problem. I mailed both checks at the same mailbox at the same time. Yet they did not both post on the same day. So it appears that they do not necessarily post payments on the day they receive them. 

It all seems very suspicious to me. I do not feel that I should be penalized when I have mailed my payment 5 days before the due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase placed a restriction on my account back in 2018 which blocks me from all transactions including withdrawal of the funds. I had contacted them via email several times. One reply dated on XX/XX/2018 stated : " We regret to inform you that we are no longer able to support your Coinbase account as well as any other accounts you may have created. Please note, we have not blocked access to the balance currently in your Coinbase account ; while we can no longer process brokerage orders via our banking relationship, you may still send your balance offsite to an external address.

There are a variety of factors which have been weighed in your case, and we unfortunately are unable to elaborate on our internal decision process. Please know that we do not make these decisions lightly, and do regret losing you as a customer. '' When I had reached out to them via the telephone, I was told that they could not tell me the reason why. They stated that in their email reply that I " may still send my balance offsite to an external address. '' However, this is incorrect because they had blocked that as well. 

A full dialogue of emails and account details are available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On our XX/XX/XXXXstatement ( attached ), we had a credit balance of {$4300.00} related to the issues caused by CFPB Complaint ID XXXX. My wife and joint account holder called Citi Customer Service twice to have this credit balance returned to us as it is significantly higher than our monthly spend. On the first call, Customer Service told my wife they would look into the issue but would not execute a refund and required more information. My wife prepared the information and called Customer Service again. They had no records of the 1st call and would not execute the refund. We ask that Citi return our credit balance as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, OH. They stated that I owed XXXX an unpaid balance. After speaking with XXXX they stated they did not know about it. I have never had an account with XXXX, nor have I ever sent anything XXXX. I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have had a reoccurring problem with a debt that my son incurred in XXXX when he was XXXX years old and living on his own. Paramount Recovery Systems has put this on all three of my credit reports and I have disputed it and had it removed on more than two occasions. They can not tell me any other information than the debt was for a company called XXXX XXXX XXXX XXXX and can not give me any other information. I know that it belongs to my son because he was hospitalized in XXXX and received XXXX XXXX. I have disputed this time and time again but they keep bringing it back. This time it has caused severe circumstances to my financial well being. I need this to stop because it is not me and I will not pay a debt that I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the third attempt to fix this problem XXXX have remove these inquires Equifax refuse to adhere to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I purchase {$25.00} for stock on the cash app for XXXX and then cancel it never returned my money there's no customer service that you can reach I have text message them five times about this problem and yet there is no resolution I know one tried to reach me and this was on XX/XX/XXXX {$25.00} came out of my account and had not yet been replaced for some stop but I could not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
back in XXXX I had financial hardship due to covid. I called Westlake financial to tell them what was going on. they did offer one month of no payment but since I got furloughed from work I would still be in trouble. they are trying to hold me accountable for a vehicle that I gave back to them and now it reflects late payments and different amount. I did have XXXX for pay off now they went from that to XXXX and I have a letter to send them XXXX this is totally wrong

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 2021-03-23 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: FL

Complaint narrative:
I am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.

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 2021-03-23 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: FL

Complaint narrative:
I am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received court documents in XXXX XXXX about being sued my Midland Credit Management. Although I did live in XXXX XXXX when I originally got that credit card, I have been living in New York since XXXX. My parents called to tell me I am being sued by them two weeks ago. I have called Midland Credit and they give me a different number to call because it is being handled by a " different department ''. I call the number I was given and the lady says I need to call yet another number but she doesnt have access to the number I have to call to work things out. That I should call again another day. I tried calling a second time, and after almost 30 minutes on the phone again, she has no " access '' to the number I need to call about this. I goodle the lawyer that has the case and call the numbers I find, and its disconected. I have a number on court documents and also try calling with no luck. Two weeks have passed and I cant contact anyone to let them know I am not even a resident there anymore. Im afraid of the court date getting closer and having a judge default to XXXX just because they either dont know what they are doing or refuse to do so, and have the court date come up without me there for a debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XXXX I relocated out of state for a new job. I had difficulty selling my home and I could no longer afford to pay both rent and a mortgage. 

I contacted my lender, Bank of America, and arranged a short sale of my home. The short sale sold and closed in XXXX. 

In XXXX I was able to buy another home-there was nothing on my credit report that indicated a late payment or a short sale. 

In XXXX, late payment and short sale information appeared on my credit report. I tried to fix the dates with B of A but they only responded with rude letter about how they were only responsible for reporting late payments, and not inaccuracies. 

In XXXX, I tried to refinance my current home. Everything was going smoothly until my credit showed that the short sale was completed in XXXX four years after my home sold and closed. 

This inaccurate information is keeping me from refinancing my current home.

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