vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: CA

Complaint narrative:
I got my XXXX XXXX XXXX last XXXX, maybe around XXXX, at XXXX XXXX in XXXX, CA and I have submitted a loan request to XXXX. The manager said I was not approved, so he told me I can apply at XXXX XXXX, so I did. After some time, I got both statements from XXXX and XXXX XXXX. I went back to them to asked which one I should pay because of course, I only got 1 car so why should I pay 2 payments? They told me to keep the XXXX XXXX  and that they are going to close it. I don't know why but I was still getting some statements that says I owe them {$110.00} for the interest but of course I am not going to pay that amount because it's not my fault that they made a mistake. Why would I pay that? I ignored it for how many months in XXXX because I trusted that they are going to close it anyways. 
Fast forward, I got tired for getting those statements so I told them to close the account but what happened instead, was that my credit report has changed. Suddenly, my {$110.00} balance became more that {$18000.00} and I had delinquent account, and that I owe them {$3000.00} or so. My XXXX credit card was closed due to this fraudulent report that appeared on my credit report. I was angry and so I sent them a letter that if they won't change it, I'm going to sue them in court. They said they were going to change it. I went ahead and also contacted experian to correct this mistake. 
Fast forward to today, XXXX XXXX, I found out that the report says that it was ACCURATE, and XXXX confirmed that those were not mistake even though they knew it was fraudulent. So that's why I am reporting them now. I even bought a package for oil change back then which I didn't use in fear that they might sabotage my car and I might get into an accident since I no longer trusted them because of what they did to me. Please help me correct this mistake that they did to my credit report. I hope you investigate this business. THEY ARE FRAUD AND SCAMMER. THAT'S ALL I CAN SAY. THEY DON'T HAVE ANY SHAME.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Today, XX/XX/2021, I attempted to get my Equifax consumer credit report and was DENIED computer access. Today, XX/XX/2021, I received notice of a change that NOT only pulled my credit score down, but prompted me of changes to my consumer credit report. I am formally DISPUTING, and RESPONDING, to XXXX XXXX XXXX XXXX willful, malicious, unlawful and FRAUDULENT credit reporting that I am 90 day 's past due on my vehicle loan account. I was DENIED, entrance into my consumer credit file [ Equifax ] via the internet today, XX/XX/2021. I am reporting, ongoing practiced unlawful DISCRIMINATION/HARASSMENT/RETALIATION ( Based on my recently filed CFPB complaint against XXXX  and XXXX XXXX XXXX XXXX ) ; Civil Rights violations ; Systemic XXXX oppression ; Fair Credit Reporting Act ; Financial status ; and all other applicable violations ( federal/local/state ) practiced by XXXX XXXX XXXX XXXX [ together ] with Equifax. It is apparent, that Equifax and XXXX XXXX XXXX XXXX have a illegal relationship, like XXXX  and XXXX XXXX XXXX XXXX and XXXX  and XXXX XXXX XXXX XXXX! I will fax, all supporting documentation to CFPB ( to be filed " only '' with CFPB FOR THE PURPOSE OF " ONLY '' THIS COMPLAINT )! ALSO, let the record show, that XXXX XXXX XXXX, doesn't have an account with XXXX and have NEVER had an account with XXXX. XXXX  @ XXXX. cc : U. S. DISTRICT COURT ; AND FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: GA

Complaint narrative:
I have contacted the bureaus well over 30 days on XX/XX/2021 to be exact. I have not received any information on the investigation as these items are still reporting and it's stopping me from moving forward as I have no knowledge of these fraudulent accounts.

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 2021-03-04 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
AVANTE is claiming that I owe them {$1100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I was incarcerated from XXXX of XXXX til XXXX of XXXX a slew of medical debt was accrued on my credit report during that time. All have been removed except for Professional Finance CO from diversified radiology of color? for {$110.00} and {$350.00}. I have not been to or seen a dr since XXXX. Ive disputed it so many times now they wont let me dispute it no more. Since Ive been out working and paying my taxes whomever stole my identity is apparently still out working falsely under my name and going to hospitals under my name and etc. Its so frustrating. I cant get ahead with my credit when this keeps happening to me. Im now also having issues with XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX?? Wherever that is?? For : {$890.00}, {$840.00}, and another {$840.00}. Im at my wits end. I dont know what else to do? Plus on top of all that I somehow have over 30 or 40 inquiries on my account. Super duper bogus!! from XXXX XXXX til XXXX or XXXX Now apparently Im being punished and for my penance I unfortunately have to write each place and describe identity theft nd hope they comply and remove the false statements made against me. That also is completely unfair. How am I supposed to respect or legal system when it just keeps throwing me under a bus. I work hard and I work alot. KI do my best to pay my bills and keep a roof over my head, but i cant even have the ability to get a car loan or let alone a home loan. Seriously I mean over the top seriously frustrating and messed up. I dont know what else to do? Get a lawyer maybe and sue all the misplaced accusations against me? thatd cost me fortune. So now I am pleading to you for understanding, mercy and help. Can u help me? Will uhelp me?

sincerely, One desperate American, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has no email or phone call proof that I ever asked the consolidation or a 2 year accelerated agreement. Asking for more information about something is NOT proof of completing an application NOR proof of signing a contract. 

In 20 years they only have Just 4 random documents with no context provided, 2 of which were FORGED by XXXX XXXX as I have never seen them in my life! And 2 that have handwriting on them ( 1of which being the original sallie mae stafford loan from 1999 which has nothing to do with the consolidation ) XXXX and XXXX provided direct conflicting information in writing on electronic records with XXXX putting in writing that it was a 3rd party company and you saying it is in house. 

I addressed this point directly advised how to file a fraud claim if you dispute the validity of the account in my previous response to XXXX and that was completely ignored in XXXX response as the application disqualifies me completely based on its instruction that the loan must be currently held by the DOE for which Navient previously confirmed it is not and that was the reason it was not under administrative forbearance. 

I asked for proof that I requested what Navient said I requested and they did not provide it. Just simply made excuses of why they can not prove when, where, and how I requested it ( more information request doesnt count as that is not asking for the specific application nor did you provide any context proof of why a check stub was submitted when it wasnt required for the form that I supposedly requested, filled out incorrectly, and completed online even though the form clearly says fax or mail ONLY!!!! 

Finally I have asked Navient over 50 times by email including copying in the General Counsel XXXX XXXX and the CEO asking for the proper address to have them served with a lawsuit and they refuse to give it by simply ignoring the email request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: GA

Complaint narrative:
I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.

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 2021-03-04 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 recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.

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 2021-03-04 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.

Complaint narrative:
Dear Sir/Madam, I sent this email to complain that Coinbase locked my XXXX for 3 months. 
I would like to summarize my case as below : I have a transaction to transfer XXXX from my other wallet to Coinbase 's account ( the last item ).

1 ) Date of deposit : XXXX XXXX XXXX Amount of transfer XXXX XXXX XXXX XXXX Transaction hash : XXXX https : XXXX But in Coinbase it's showing XXXX in my portfolio balance. So all my money XXXX XXXX XXXX XXXX was lost for no reason. 

I submitted a lot of tickets in 3 months but then the Coinbase system told me that the ticket closed with an auto message One of my tickets is XXXX that was created on XX/XX/2020 and is still pending for now even though I sent a lot of follow up messages. 

Please help me. That's all my family 's saving. Please let me transfer my money to another wallet. You guys can close my coinbase 's account. 

Thank you a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I received a notice of taxes not paid for 2020 ( school taxes ) I called freedom mortgage on XX/XX/XXXX to let them know they had not paid my taxes for 2020 even though they had taken it out of escrow. A week later I called them back to check on the matter and they said to call back XX/XX/XXXX. So i called back and had to talk to 8 different people until i could find someone willing to look into it. In the mean time I also called XXXX tax office and found out that freedom had sent a check in XXXX for the wrong amount so the check was sent back and they never put the money back into my escrow account and never resent the proper amount ... the original charge was XXXX cents they only sent a check for XXXX and when it was sent back never fixed the issue. They dont seem too concerned with helping me and now the tax bill is over XXXX this is so.embarassing for me. I have never been late on a bill ... also very stressful because where is my XXXX? I really need help with this matter thanks so much

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 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I ask that you please give me the chance to provide documentation to verify my statements to follow. This is probably a long shot ... I recently discovered the Reaffirmation Agreement Santander Bank Lawyers & I negotiated prior to my Bankruptcy Discharge in XXXX added an additional 2 yrs. to my Chrysler Capital car loan. My car payments have always been paid on time, even w/challenges encountered to pay {$490.00} mo. payment w/o access prior to discharge. Santander & I clearly discussed following terms : To lower my interest rate from 10.9 % to 7 % & recalculate payment to reflect 7 %. Since new payment of {$390.00} was over {$100.00} less than original loan, I trusted & understood loan was recalculated at 7 %. Instead, Santander created the Agreement w/intent to cause me financial harm & their company gain from my losses. Loan supposed to end XXXX XXXX along w/GAP Insurance. However, the purposeful intent to create this legal document ( Agreement ) & intentionally OMIT the loan extension of an additional 2 yrs., I will be w/o GAP Insurance & literally pay an additional {$9400.00} plus on top of the initial loan cost of over {$26000.00}! I now expect to be in serious financial distress as a result of Santander gaining my trust & never to expected they would cause me such harm for monetary gain for their company. My plan was to retire 6 mo. after my car loan ended in XXXX XXXX. I have worked for the XXXX since XXXX as a XXXX, currently for the XXXX XXXX on XXXX XXXX. I am very unsure of my future as a result of their intentional financial abuse. Again, my car payment history is outstanding despite the XXXX Bankruptcy filing. I hope this type of abuse is placed in the Bankruptcy Abuse Protection Act. I know I must sound like an XXXX to have this happen to me. I just don't understand why I am unable to obtain assistance. Yes, we both signed the Reaffirmation Agreement. This document is false yet it was filed in the NJ Bankruptcy Court in XXXX, NJ. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.

Complaint narrative:
I am unable to access my funds after almost 3 months, I have sent more than 20 messages and tried to contact through different social networks, but no response. I can't use my savings and have lost money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a 2nd mortgage with SLS, Specialized Loan Servicing. They happily granted a Forbearance to me last XXXX. Despite my numerous attempts they are unwilling to help me avoid foreclosure. I am able to resume payments and I am not asking for any financial forgiveness. I only ask that my paused payments be deferred to the end of my loan or even a Balloon Payment at the end. I continually get misinformation and different information each time I call and have been told they are working from home so no supervisor is available to speak with me. Just today ( XX/XX/XXXX ) I received two seperate letters from them. One states I am granted 9 more months of Forbearance. Great except the End Date is XX/XX/XXXX. The other letter is titled Default Notice and Notice of Intent to Foreclose. This one is dated XX/XX/XXXX and gives me 33 days from " the date of this letter to cure the default. '' It arrived in the mail today. 
I was told I can not be approved for a Modification due to help I received on XXXX, which was unsolicited by the way. Despite that I was mailed a Modification application with a long list of required documents. I do not want a Modification or any forgiveness. I just want a deferment or the Balloon Payment. They were very positive and assured me they would work with me to find a repayment plan when I first called to request Forbearance and now I am just getting the runaround. I had no idea at the time that non Federally backed loans would not be protected under the CARES ACT and SLS certainly made no mention of it. 
I am so upset and can not think of anything other than possibly losing my home of 25 years. Every day I watch the news hoping President Biden will announce that non Federally backed mortgages will be given the same protections under the CARES ACT as the Federally backed loans. 
Please, can you help 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 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
This alleged debt collection for {$1500.00} from Healthcare Collections - I LLC popped up and appeared on my credit report last year. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. There has been no debt validation or verification provided to me concerning this alleged debt collection. I've requested all of the following with no response : -The original contract -Payoff disclosure -Interest Rate disclosure -Balance history -Payment history -Credit Insurance This company can and will not validate or verify this information for the simple fact that they, along with the original creditor, XXXX  XXXX would be in direct violation of HIPPA laws. I've disputed this alleged debt several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
capital one XXXX [ 18 months never late ] 900 payments blocked v different name on s s a card XXXX XXXX XXXX [ XX/XX/2017 [ XXXX ] total 986 credit breach elder abuse s s a fraud my payment XXXX and XXXX and XXXX claim on file XXXX and XXXX and XXXX all claim on file document sent and still not corrected abuse by family. i am XXXX victim of abuse my di decreased each transfer i am discovering new tactics of fraud. please helping thank you. at present they have XXXX as being owe which is life insurance s s a XXXX.

Company response to consumer: Closed with explanation