vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: TX

Complaint narrative:
It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to XXXX  XXXX TransUnion and XXXX they continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX  XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXY COMPAN # XXXX, FXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not received ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.

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 2021-05-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; MEDICAL - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
Letter from XXXX XXXX XXXX XXXX on Behalf of Loan Depot.. stating my loan has been transferred.. Loan Depot denies this 3rd party communication. My understanding I am protected by Moratorium enacted by congress for those impacted by XXXX. I was placed in forebearence. I was approved by Loan Depot for a re-finance and then sent to collections. When protected by Moratoriam I should not be placed in forebearance status nor sent to collections. I should be able to re-finance and roll back payments using equity from the home. I am protected by a moratorium.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland credit collection agency has placed and erroneous amount on all three of my credit bureaus stating that i have charged in the amount of {$530.00} dollars i only charged {$58.00} dollars on this account, midland credit has inflated the original credit amount of XXXX and turned it into {$530.00} dollars they have charged me a 50 % percent increased i never ever charged that amount, i would like for midland credit to provide the original contract with my signature and the credit amount that was issued to me. 

I am requesting this company to validate this debt, provide the original signed contract and the fees which made the original amount increase by % 51 percent. 

They have falsified this information on all three credit reports and for there dishonesty this account should be deleted in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AIH Receivables Management Inc.
State: KS

Complaint narrative:
I received a call about an apparent medical debt my wife owed. The person stated that he called my wife and after talking to her she was rude and hung up. ( He never spoke to my wife ) He tried to get me to pay a debt that we are not even aware of and told me i need to get a hold of her and tell her to pay it. I got off the phone with him and called my wife and she said that she doesnt know of the debt and never spoke to anyone. I told her to call them. When she did she said the guy answered and was rude to her and speaking to her as if she was a criminal. SHe got mad at him and he told her to XXXX XXXX and hung up on her. Then the ( HE ) debt collector called my place of employment to verify where i work. I answered the phone and told him to never call my place of business again. Then my wife and I both called AIH receivable to find out if this is where he was calling from ( We looked up the number he called from to find out because he never said who he was with ) and he was rude again telling us to pay our debt. We asked to immediately speak to a manager and only got a voicemail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
It's disappointing to say the least the Navy Federal would commit to providing a VA loan with the short sale disclosed in the application process and having the assurance that it wasn't a problem only to find out that after more than two months of work and a bunch of inspections later that Navy Federalis going back on that promise. I have previously provided a thoroughexplanation of the short sale and if anyone knows about it, it's Navy Federal Credit Union. This could effectively cost me thousands and a lost home in the process so I am going to start with a complaint to the Consumer Finance Protection Bureau. Other veterans must have experienced this before and I'd hate to think more will in the future so I'm going to seek legal counsel on recourse in order to protect customers. The whole thing is shocking, I should be closing this month but I'm effectively back to square one and the buyer is desperate for money so it'll likely end up as a dead deal. I guess my question is how could it go through the approval process, all the information that was provided and allow the appraisal and all the inspections when this should have been a non-starter? Then it's ok to back out, that just doesn't seem like the operation I'd expect from a Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one refused to honor 50,000 points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: DE

Complaint narrative:
i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder lvnv funding has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get XXXX XXXX to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: DE

Complaint narrative:
i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder XXXX XXXX has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get XXXX XXXX to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I opened a Coinbase account in XXXX of 2021. On XX/XX/XXXX I noticed a charge for a currency that I didn't recall buying but I could not understand if I made a mistake or if there was an issue. I contacted them and was told to verify my bank account information to see if additional withdraws were made and to change my password. They would disable my account until I verified that I had completed these items. I did both and contacted them to reinstate my account. After that, they never opened my account or would give me access to my funds. There have been several changes in the market and I am losing money by not being able to play the swings in the currencies. There is XXXX or more in the account and I can't do anything with it. I have been issued 6 different case numbers and then a few days later I will check back and they have closed the case. I still can't get into my account. I even changed the password again but it still says account disabled - contact customer service. You never reach a human and there is no number that you can reach them. I can't believe they were allowed to be a publicly-traded company on the stock exchange and they can't be reached. I have filed a complaint with the SEC and the Federal Trade Commission. 
I would be glad to send you a screenshot but they erase it within seconds of the disabled message

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
LENDER : COUNTRYWIDE HOME Loans, inc XX/XX/2003 WE WERE PROMISED {$10000.00} FIRST TIME BUYER 'S ASSISTANCE INSTAED WE GOT {$10000.00} IN SECOND MORTGAGE Type of loan FHA It was our first home mortgage my wife and I. I were supposed to be given first time buyer 's home assistance down payment, but instead we were given a loan with ballon payment for the amount of {$10000.00}. We were assured that the we will not have to pay this amount as long as the property is under our names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
Recently audited my annual bank statement to better ensure my taxes for business expenses. I noticed a closed DISCOVER account from 2002 still auto-drafting $ XXXX/mo. I have learned from Discover card that I am paying approximately $ 30-35 in interest towards about a $ XXXX balance. They can't determine the original balance because it is too long ago. I have not received a bank statement, email or call regarding my account balance or summary. I have lived in my home for 6 years ... there has been no attempt to reach out to me regarding the returned mail. Instead, they have collected my auto draft payments for 20 years. 

I am flabbergasted a credit card company is not required to notify me of my balance at a monthly or annual basis. Much less, inform the consumer with balance, interest and principal payments. 

Today, I have paid about $ XXXX in interest for 20 years with little to no principle reduction. Discover offered me 3 months credit on interest which is approximately {$97.00} reduction to pay off {$1800.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted the credit bureau to advise them that the account with XXXX XXXX auto was opened in XXXX and reported to Equifax in XXXX as a negative closed account. The account is currently reporting as my oldest account, it has been reporting for 8 years. I disputed the accuracy of the account in XXXX of XXXX, the creditor responded and validated that the amount owed was correct. 
Equifax is now stating that the account will remain until XXXX which will be over 17 years of them reporting the account as a negative account. Which violates my rights and also the Fair credit reporting act. This account has fallen off of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: N.A.R., Inc.
State: UT

Complaint narrative:
North American Recovery is reporting an erroneous debt from my credit file. A while ago this debt was sent to an attorney and i was summoned to appear in court for this debt. This case was dismissed due to the fact that the debt was returned to the original creditor. NAR is still reporting these debts on my credit file and i need them removed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: WI

Complaint narrative:
Back in XXXX I went to look at my free credit reports and found an address in Illinois that was never mine and the person at that location opened an account with XXXX XXXX for {$6800.00}. I contacted Acceptance Now with my complaint and was told to submit an Identity Theft/Fraud report which I did on XX/XX/2021. I was told the item was not changed as a result of their processing of my dispute. The person I spoke to asked me for my SSN I stated I was uncomfortable giving it over the phone so she asked for the last 4 digits. I gave mine and she stated those are not the ones on file for this person. Someone at the credit reporting agency must have put in a wrong digit which is now causing my entire problem.

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I had someone call me saying they were XXXX XXXX saying my account balance was past due and my services will be shut off. Then they said I had a glitch on my account that showed {$900.00} was past due. I needed to send different increments of money and they system would recognize that it was paid and then it would automatically reimburse me. The phone number the guy was using is ( XXXX ) XXXX, from XXXX, MI. I have reported this to my bank and they are making a dispute, but said it's not likely that I will get my money back. I sent a total of {$1500.00}.

Company response to consumer: Closed with explanation