vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
XX/XX/2021 Milestone card expired. Contacted to inquire on when to receive new card. Was informed 2-3 weeks. Contacted XX/XX/2021 informed I had to request another card and to expect XX/XX/2021. Late fee placed on account that I can not access but am receiving late notices via email. Contacted to make payment and informed calling would require processing fee. 

Milestone has not provided replacement card for two months. Can not make payment online because they have blocked access. I am being required to pay a fee by calling in. Reporting late fee on credit profile when I have been attempting to obtain card and maintain payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I found out in XX/XX/XXXX that a collections account was added to my credit report. When I looked at my credit report, I found that it was from a medical office. I never received any correspondence or phone call from the medical office or the collections agency that this bill existed. My credit is ( was ) perfect and I always pay my bills on time, so I was shocked when this showed up. 
I reviewed and followed the procedures on the CFPB web site and sent ( via certified mail ) a debt verification letter to the collections agency asking them for a debt validation letter. I waited 30 days past the date the letter was delivered after never receiving a response. 
I then proceeded to send all 3 credit bureaus a copy of the debt verification letter, a statement about what occurred ( that I was never contacted ), and under the Fair Debt Collection Practices Act, requested that they remove the collection account from my report. 
I called Equifax on XX/XX/XXXX asking if they received my letter. They had not, but said I could upload my documents to their web site and initiate a dispute. I told them I did not want to initiate a dispute, but wanted the collection removed from my report because I went through all of the proper steps according to the CFPB. They said they need to initiate their own dispute no matter what my letter says and reach out to the creditor to verify it themselves because they couldn't trust what I did. I told them I do not want that. 
Meanwhile, XXXX removed the collection from my account, no problem. I know Equifax is not following the proper procedures for this situation and I did what I needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Entered an agreement that required set amount of payments, XXXX a month for three months. I rounded it off to XXXX, but now Im being harassed for a higher payment. They have abandoned original agreement as if it never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NY

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
I am not going to chase all this call this call that. That's your responsibility. I will however keep on filing this report until things get resolved. 

If I am responsible, I will pay for whatever I am responsible. You can check my credit history - I have NEVER had anything collections related. 

# 1 I have never even met any of the aprtment rental ppl due to pandemic.

# 2 I did not damage the apartment - I lived for 2 months and then moved to village in Alaska. 

# 3 I was never told I had outstanding balance nor was I warned that it would move to collections # 4 Please provide proof that I caused the damage. Either show me that the damage the apartment claims wasn't there before or show me that I caused the damage. I need to see itemized list of what was wrong and what was done and how much it cost. And PROVE that I am responsible. 

You can contact me via email or phone. I have tried numerous times to call you guys and talk to a human. It's your job to contact me and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On On XX/XX/21 they said they were delivering. XX/XX/21 I received a message stating they cancelled my order. ( against store policy ) only I can cancel. The amount of the 3 items that they were refunding was not correct. XXXX, XXXX, and XXXX - They said they were refunding XXXX this is wrong. After XXXX calls to Walmart, XXXX who delivers to customers could not give me a viable reason. I contacted my credit card company and it was not refunded. Some of my calls were XX/XX/21 and today XX/XX/21 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
My account has been disabled, and I have not been able to get into my account since XX/XX/2020. I have tried numerous times to reset my password the system lets me reset my password, but still I'm not able to get in. I have open numerous customer service tickets with support, but still have not have this resolved, I have spoken with support they say they are going to escalate the issue but again, they have not solve my issue. My account has grown in value, but I can not trade or sell due to not able to get in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NY

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

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 2021-10-28 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: NY

Complaint narrative:
Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
After carefully reviewing my credit report, Spring Oaks Capital LLC has listed a collection account for {$610.00} for acct. # XXXX. I never received any communication from this company, right to dispute, validity of said debt. I've never done business with them. I know my rights under the FCRA and this company is in violation. This account can't be 100 % accurate either as there are open dates and amounts that varies between the 3 bureaus. An account can't be opened on different days. I want the alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
A company I worked for used XXXX as a security system. They were later purchased by XXXX XXXX XXXX. The company closed in XXXX and the office was closed and the services were canceled in XX/XX/XXXX. There was a credit balance on the account of {$14.00} at the time and the were to issue a refund. The refund never came. 
Last week I received a collection on my personal credit report for {$520.00} This was never my account to begin with. I have never received any notices about a charge. The business account was closed over 2 years ago. 

I have called XXXX XXXX XXXX and they said they could not do anything. I asked to talk to a supervisor and after over an hour they hung up on me. 

I called Mountain Run Solutions and the call went to voice mail. 

I want this off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I have tried for several months now to get one simple question answered. How much do I need to pay off in order to get one month off the back of the loan. No one can answer me. I am concerned because according to the amortization schedule the loan should be finished in a shorter time because I paid off 3 moths but the statements are not reflecting that I paid off those months. I already filed a complaint with this " Consumer Financial Protection Bureau to no avail. Complaint # XXXX BUREAU WAS NO HELP. The mortgage lender, Mr. Cooper, responded to my complaint by setting up an auto response email that said nothing of value and attached a copy of the amortization schedule. I already have that on the on line account! I DONT NEED ANOTHER COPY. The email says contact them if I need anything else so I did, and what did they do? THEY SENT ME TO ANOTHER ROBOT THAT SENT ME ANOTHER AMMORTIZATION SCHEDULE!! No phone number to call, no response, just the same statement to contact them if I need anything else. What kind of world is this? I can't get any help from Mr. Cooper or from this terrible useless Consumer Financial Protection Bureau. It is CLEAR no one cares, no one is there to help and this agency is completely useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: WI

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
Why you put this negative information on my account? I didnt apply for any of these accounts. I think someone used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of identity theft, I have had several other vehicles and credit accounts removed from my credit. USAA is refusing to allow the removal of this fraudulent debt. 

The dispute for the account with USAA FEDERAL SAVINGS BK that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 

I want to see what they are claiming is certified proof-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Company refuses to accept payments that have been established by credit counseling services because of my financial situation. They are abandoning the principle of something is better than nothing.

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 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I have experienced financial hardship and was unable to make my monthly payments. On XXXX XXXX, I contacted SPS and applied for mortgage assistance program. From XXXX XXXX to XX/XX/2021, I have been repeatedly sending the same documents and SPS refuses to review the documents, or stalling for time to review my documents. I have been in compliance and SPS lender has been negligence in reviewing my mortgage assistance documents appropriately. 
I am requesting an investigation on this matter. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Quantum3 Group, LLC
State: AZ

Complaint narrative:
This card was part of a bk ( {$3800.00} XXXX XXXX XXXX, Quantum3 Group , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX Phone : XXXX Facsimile : XXXX Email : XXXX Website : XXXX Phone number sends me to voice mails no call back. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery. - Requested for Lien Removal Attached is a copy of the court doc removing our attorney, I was shrugged off by Compliance Officer : XXXX XXXX XXXX saying to contact my attorney. My brother is unable to refinance his home and can't move forward. All other creditors have honored the BK and released judgements since the court trustee acknowledged the property on XXXX XXXX XXXX XXXX XXXX, AZ XXXX was no mine and I had not lived there in over 10 years nor had any part on any financial obligations towards the home. My brother, XXXX XXXX, is the sole property owner who is trying to move away from the existing Obama save the house loan, and go into a regular mortgage. Why would this company hold him back from progressing? Please help as this is causing a family hardship over a BK nearing 2 years ago. 

XXXX last message knowing I don't have an attorney : XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) Please talk to your bankruptcy attorney. Thank you. 

I don't understand how these company 's are legally allowed to collect on a BK when they are not in the State of AZ, I am not sure if they follow the rules for collections, and not being able to talk to someone is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: MN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be 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 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a refund from a merchant ( XXXX ) for {$180.00} The credit card account that the money went into was a closed account.I called Capital One and they said there was a restriction on that account and wanted me to send a copy of my driver license which I refused to do, the account was closed for that reason they said there was a problem with the account but would not tell me what the problem was so I said just close the account. 
I am out XXXX and Capital One will not do anything for me The last four # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
RE : XXXX XXXX XXXX, XXXX, MA, XXXX The mortgage is now with Community Loan Servicing LLC, and they are attempting to foreclose. Community Loan servicing sent me a letter on XX/XX/XXXX, reference XXXX, that foreclosure proceedings would be started if XXXX XXXX ( also on the title of my home and responsible for paying the mortgage, on the note ) does not contact them. 
Attorney XXXX XXXX XXXX submitted in writing a document to XXXX Court, signed on XX/XX/XXXX, stating that his client, XXXX XXXX had been paying his mortgage. 
There is no contact from XXXX XXXX or from XXXX XXXX with additional information. 

Furthermore, there have been a number of forced entries in to the home and the XXXX Police have repeatedly refused to file reports. 
This occurred again on XX/XX/XXXX, even after a police officer stated that a window was open at the house during an investigation after an XXXX alarm went off at XXXX XXXX. 
Someone appears to be watching the house. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a backround check for a job. The consumer report dated XX/XX/2021 shows an alias that is not mine. The incorrect Alias is XXXX XXXX XXXX. The only Alias 's that I should have is XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I would appreciate it if an investigation can be made to remove that name or any other names that I do not belong to me from my consumer report. I feel that there is some kind of fraud going on. I feel that my youngest son 's father who I only knew for a year may be the one using my information fraudulently. He has a history of fraud.

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