vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: CA

Complaint narrative:
My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX LA ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. Equifax is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX LA ( who is still refusing to close the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXX US DEP ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-07-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I called synchrony XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.

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 2021-07-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I called XXXX  XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.

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 2021-07-23 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: Global Lending Services LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX ( manager XXXX ) processed my credit report in a way that I did not consent to, authorize nor benefit from the following inquires and I am filling a FTC report and complaint with the CFPB. I informed the manager ( and sales manager ) I had a prequalified loan from XXXX XXXX and I wanted to utilize XXXX XXXX or XXXX XXXX and that I did not want my credit run multiple times or beyond the XXXX XXXX or XXXX XXXX. I was not told until after multiple inquiries that the dealership does not work directly with XXXX XXXX XXXX navigator which was fraud. the below inquires I did not consent to and I am requesting they be removed - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Global Lending Servi - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have confirmed with sales manager XXXX on XX/XX/XXXX that he was trying to help but this was not authorized and misleading and should not have been done without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXX US DEP ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-07-23 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 was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXXXXXX, US DEP ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: PA

Complaint narrative:
XXXX, TransUnion, and XXXX  are all reporting inaccurate information on my credit report. I've mailed Dispute letters twice to each credit bureau directly, once on the date of XX/XX/2021 which wasnt responded to in a timely manner according to the FCRA and once on the date of XX/XX/2021 in reference to these issues being disputed and resolved. It's now been over 60 days and they still have not taken action on the inaccurate information that's reporting to my credit profile.

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 2021-07-23 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: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
EOS CCA has placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have a mortgage with PHH Mortgage. I went on forbearance due to covid hardship in XX/XX/XXXX. Every 3 months they contacted me to see if I wanted to remain on forbearance or resume my payments. I kept explaining to them that I wanted to apply for modification to move the payments I missed onto the back end of my loan. They repeatedly told me that the account was still under review and that I should remain on forbearance until they reached a decision. Despite being on forbearance, I resumed making regular payment on XX/XX/XXXX. XX/XX/XXXX I received a call that I had been approved for modification and the back payments would be moved to the end of my loan. They kept saying that they were giving me a " fresh start ''. On XX/XX/XXXX I checked my credit scores and noticed that one had dropped 168 points! I was shocked. PHH had reported me over 180 days past due. I called to see what had happened. I was under the impression that none of this was supposed to adversely impact my credit. Their story is that I was removed from forbearance on XX/XX/XXXX so that they could do the modification. In the short time between my removal from forbearance and acceptance of the modification, they reported that I was late from XX/XX/XXXX until XX/XX/XXXX. 

I don't know why I was removed from forbearance before I had accepted their offer of modification. I requested the modification but wasn't even formally offered it until XX/XX/XXXX. I absolutely do not understand why they felt it necessary to report me delinquent when they knew I was receiving a modification and they would be made whole in a matter of days. If I had known my credit was going to be destroyed I would have chosen a different course of action. I have almost 400 on time payments on my credit report, and now because of this I also have 1 extremely late payment. That 1 payment dropped my score 168 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Self Financial Inc.
State: CA

Complaint narrative:
My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX XXXX  ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. XXXX  is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX XXXX  ( who is still refusing to close the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2021, I went to the Wells Fargo Branch in XXXX XXXX XXXX on XXXX XXXX in XXXX Virginia around XXXX XXXX  to make a deposit at the drive through window. I had 3 checks 2 for {$450.00} and 1 for {$270.00}. This totaled {$1100.00}. I was informed by the teller at cash box 10 that the system was down and my funds would be availble on the next business day which was XX/XX/2021. On XX/XX/XXXX, I checked my account and determined the funds were not available, I then went to the branch and spoke with the Service Manager by the name of XXXX and was informed that all checks were sent by a carrier on XX/XX/2021, and they had to be manully posted. XXXX then informed me the funds would be available on either late Friday or early Saturday. Checking my account on Saturday the funds were not available again. I also contacted Wells Fargo Advocay Group filed a case and I never heard from anyone in their office. Long story short I contacted my investment compant they stopped payment on the checks and resent new checks. Finally Wells Fargo put the funds in my account on XXXX XX/XX/2021, after the funds were stopped. They charged a fee and I was very upset that I never heard from anyone during this ordeal. Wells Fargo said they would backdate the checks to the date they should have posted which did not sound appropriate. I am sure other people were impacted however ; it should not have taken Wells Fargo almost a week to resolve this issue and it is unaccpetable. Wells must review their process so that in the future if this same issue occurs impacting customers, it should not take a week to resolve. Temporary credit should have been given to customers while the issue was investigated and resolved. Customers were inconvenienced.

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 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
1. On XX/XX/XXXX I transferred XXXX XXXX  to Coinbase from Coinbase Pro 2. On XX/XX/XXXX I took out a loan for XXXX using XXXX XXXX  as collateral 3. On XX/XX/XXXX the XXXX was deposited into my bank account ending i and I still had XXXX total XXXX  4. On XX/XX/XXXX I receive emails that my transfer of XXXX was cancelled, it never was and CoinBase stated that this was due to an internal error 5. On XX/XX/XXXX I also receive an automated email stating that XXXX XXXX  equaling XXXX were sold at a XXXX loss for funds recovery. Recovery of what I do not owe them anything outside of the loan which is still has a balance of XXXX and is current. 
6. I now only have XXXX XXXX  and still have a XXXX loan balance. 
7. Thus, my account is short XXXX They admitted that they had issues the night of the XXXX and it caused a problem with the state of my loan. Since then they have not returned over 10 of my emails kindly asking for the status of my missing XXXX. I have no other recourse left but to file complaints as they are not responsive in solving this error or communicating with me regarding when this will be corrected. I have two cases open regarding this matter case # XXXX and # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have called the company IC System Inc several times and verified that the address they have on file for myself is not accurate and that I had been the victim of identity theft. They stated they were going to send paperwork that I needed to complete that would assist them in determining if I was telling the truth. They stated it would take two weeks to receive. I did not receive the document. I filed a police report as they requested. It has been 8 weeks. I have called the original company XXXX  and spent more than 45 minutes being transferred from person to person with no assistance. This fraudelent information is affecting my ability to get my home refinanced and needs to be removed immediately as it is fraudulent. When I called XXXX I told one of the customer service agents that it was due to identity theft and he proceeded to ask me if I wanted to pay the bill.

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 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter to the collection agency asking for validation of debt from XXXX XXXX XXXXIn accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : if a consumer notifies the debt collector in writing, that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt from the original creditor and a copy of such verification is mailed to the consumer by the debt collector. As of XX/XX/2021, the debt collection agency failed to respond to my request for validation of the debt and did not contact the credit bureaus that the debt was in dispute. According to FDCPA, this is a violation because it has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello my name is XXXX My problem is with synchrony Bank they financed some living room furniture from XXXX XXXX XXXX, and those from the furniture store sent the broken dirty living room furniture used I have them since XXXX and until now they have not helped me I send to they prove that the living room furniture is in poor condition and they don't want to help me, I sent photos to synchrony Bank and they did not 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 2021-07-24 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: MAJR Financial Corp
State: MS

Complaint narrative:
I have been a victim of identity theft a few times with different platforms such as XXXX XXXX XXXX, XXXX visa card, and XXXX. Fraudulent credit line attempts have been made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TN

Complaint narrative:
Avante has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never had services from XXXX  XXXX XXXX. I have reached out to this company 3 times between XXXX andXX/XX/2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
This account was paid in full.

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 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
1. ) Cash app permits and fosters unauthorized fraudulent transaction via unauthorized access to checking accounts and uncontrolled access via unauthorized debit card transactions by failing to adhere to banking standards which standards require active monitoring of transactions and restricting merchant transactions when abuse or unauthorized transaction history calls for the same. Cash App knowingly has allowed more than a 7 or 8 transactions from merchants with the intent to defraud. Cash App does not refund these losses and probably even gets a cut of the contrived losses as likely arranged with suspect merchants with which Cash App is likely working with, again to contrive losses, split the collected customer losses to boost their bottom line.

2. ) Cash app hid the underlying complaint ( see attached which dealt directly with fraud ). Cash App routinely does this to hide civil and criminal wrongdoing.

3. ) Without a doubt I believe CasApp knows about and enables money laundering and other financial crimes through its relationship with the judiciary in California, who access Cash app systems via known holes in third party " customer support '' and " technical support '' systems i.e XXXX and others, whereas such individuals access these systems and whitewash compliants to protect Cash App for which such individuals are afforded favors and cash from Cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never been to that medical facilithy. I have reached out to Wakefield 3 times between XX/XX/XXXXand XX/XX/XXXX ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation