vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I noticed my Transunion score dropped significantly XXXX points. XXXX XXXX account removed without any prior knowledge off my Transunion credit profile. I immediately contacted XXXX XXXX and was told, " Transunion suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed XXXX XXXX XXXX I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted Transunion by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our business and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received letters and a new debit card, in my name, from XXXX XXXX - stating that I had applied for Unemployment benefits in Colorado. Upon getting these letters - I reported the fraud to the State of CO on their Unemployment website Upon receiving the Debit Card from XXXX - I went to their website to report this fraud and have them close the Account. At the end of the reporting - they listed 3 telephone numbers on their website that I could call to reach Equifax, XXXX, and XXXX - so that I could report fraud / an Account Alert. 

The first number, which I called, was : XXXX. ( I looked up this number on XXXX, and found it again on Equifax 's site - listed as a number to call them about fraud ). 

The problem is this : I called, someone answered, they asked for and captured my Name, Address, SSN, Birthday, Phone, etc ... Then they hung up abruptly and sent me to a survey recording. This is highly suspect to me, and it made me think that the call was somehow transferred to an unauthorized line, where someone grabbed my info. 

I have since placed a freeze on my credit at all three bureaus, but I am very concerned about my identity, and that it may have been stolen, and that I was treated so poorly to suspect that I was speaking with an unauthorized person at one of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
Address listed for primary contact was an address I never lived at therefore all notices for repayment were sent to this address? Two accounts listed on credit report as collections never received a notice and to this day have never received any notices of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: 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: TN

Complaint narrative:
XX/XX/21 XX/XX/21 XX/XX/21 re : XXXX XXXX  credit card. I entered a restructure program to get my account current and to have them report current on my credit report. I made 4 payments in 3 months ( more payments than required ). XXXX XXXX  was to report my account current to the credit bureau for XXXX XXXX and XXXX. They currently have me delinquent in XXXX XXXX and account closed in XXXX. Part of the restructure was to close the account, but they were to accurately report my account as current. I have disputed in writing their reporting and have asked for a written copy of our agreement on the restructure. I employed a credit counseling company to dispute and I have disputed with the credit bureau. I've called and written for a copy of the restructure agreement, it has been more than 30 days and I do not have the written agreement and they have not reported accurately. I've talked to Experian  and I am told that they contacted XXXX, XXXX said they were reporting accurately and they closed their dispute. I argued with Experian and asked what the purpose of my dispute was if they were going to believe the cc company. I was told they are not a reporting center and not for the use of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
certificate of deposit account opened with XXXX  XXXX  on XXXX XXXX in the amount of {$25000.00} A withdrawal in the amount of {$24000.00} made on XXXX XXXX leaving a remaining balance of {$1000.00} plus accrued interest. No other withdrawal made only the posting of accrued interest earned, Last update interest posted on XXXX XXXX. 
XXXX XXXX  merged with Capital one bank in 2007. 
I have contacted capital one bank about the status of my account on XXXX XXXX whom informed me that they had no records and only retains CD accounts for a period of 5 years. I was told to contact the New jersey XXXX XXXX XXXX XXXX. A search in the New jersey XXXX XXXX XXXX XXXX revealed no results. 
I contacted FDIC who insures CD accounts and was told to contact this CFPB.I need assistance in finding out what happened to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
. XXXX XXXX XXXX, account number : XXXX. XXXX XXXX XXXX XXXX states under the remarks section that this debt was Purchased by Another Lender ; Transferred-To Another Office which acknowledges that they surrendered any legal right to collect the debt in question. Please see attached XXXX, and XXXX credit entries. I am demanding Equifax remove these entries immediately or provide me with your verification documents. Because your investigation findings conclusion of verified. You are legally obligated to provide me with the documents that you used to verify my legal ownership of this debt. 

This has clearly been sold to XXXX XXXX ( XXXX ) XXXX see attached XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was called from an unknown number stating the man was a process server attempting to serve me but he wanted to set up a time to schedule it. I asked what it was for and he didnt know but gave me a phone number to the law office. I called and a very rude man informed me I had a 10 year old debt to a bank and I owed $ XXXX and I stole from the bank, it was a fraudulent theft charge and I was going to jail/county lockup for 180 days. I asked what the debt was for and he would only tell me the name Fifth Third bank. Man knew my full SSN. Anytime I asked for any other information he became belligerent and said I was refusing to pay and he was going to use the recording in court to prove I knew about the debt and that it was accurate and I confirmed it was mine, though I did not. Man said I had a court date for the following Monday at a XXXX court but he refused to give me any sort of case or account number, he said he didnt need to because he had my voice recorded saying I knew it was mine and I was refusing to pay. He hung up on me twice. I called both Fifth Third bank, who declared I didnt owe them anything, and the XXXX XXXX county court, who said I had nothing pending under my name. I worked in a debt collection law office and know there are multiple MULTIPLE FDCPA violations he made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am trying to work with Loancare and XXXX representative to set up a simple escrow to pay for my property insurance and property taxes. The first request was raised on XX/XX/2021, and to this day, the servicer refused to assist. They are jeopardizing my 800+ credit score and putting my mortgage in a possible default. 

As of today XX/XX/2021, I have emailed XXXX XXXX at XXXX, XXXX XXXX at XXXX, and XXXX XXXX at XXXX. I tried leaving them multiple voice messages on their escrow department, their phone number of ( XXXX ) XXXX ext XXXX does not appear to be functioning. They repeatedly accused me that I did not pick up the phone call, but in fact, I have been given them multiple numbers to call. 

They are refusing to service my loan and attempting to overtake my loan and foreclose my property. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
Outsource Receivables- XXXX is reporting on my credit file for an account that is not mine. Living Scriptures? What is that and it is from 2016! I have been disputing this with no response and this is not mine! Under the law they are supposed to provide proof and I have yet to hear anything back! 
I have called my attorney and that will be the next correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports

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

Complaint narrative:
There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
In XX/XX/XXXX I opened a Coinbase account and made deposits from my bank totaling {$7000.00}, to purchase certain cryptocurrencies that Coinbase supports. On or about XX/XX/XXXX I discovered that I could not access my account because Coinbase had locked me out and declared the account " Restricted. I submitted a support ticket to Coinbase making them aware of the issue. During a phone call with a " supposed Coinbase regulator '' remotely, he took over my computer remotely, accessing various files and uploaded my drivers license onto Coinbas 's recovery protocol. On XX/XX/XXXX Coinbase notified me that " Your Coinbase account recovery is successful, with no explanation why the account was frozen in the first place. On XX/XX/XXXX, I tried to access my Coinbase account, only to discover the account is restricted again. I had had no activity in the account between the two lock outs. 

I submitted a support ticket and Coinbase responded on XX/XX/XXXX with directions to click on a link that required me to pay {$490.00} to recover my account. I refused to the demand to make a payment. They responded by lowering the amount to {$380.00}! I immediately initiated another support ticket to Coinbase with copies of the the bizarre demands to pay money to recover my own account and my own assets. Coinbase has not responded with my request for support. If XXXX XXXX or XXXX XXXX tried this tactic with its clients, they would be shut down in a minute. I have no sense of control of my account or the my assets. This is America and in America we call this type of business practice as an unlawful, deceptive, fraudulent violation that demands regulation and punishment. Sadly, I don't believe that I am the only victim of what appears to be a one way scam. I am hoping that the Consumer Finance Protection Agency is able legally help rectify my situation and regain my liberty to access my own assets. Thank you for your attention to my request for your help in this matter. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I need help.i I have an account with Robinhood Financial services with over two thousand dollars in it.I have been unable to access this verified Robinhood account.This company has no phone number or any way to contact a nonexsistant coustmer service.I have sent countless emails, changed my pin, my password, and sent a photo, front and back of my ID.with no response.This company is taking people 's money and not allowing them to have any contact.Please help me get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 Somebody used my debit card information and my address to order goods from XXXX. On that day I have received a text message from chase that there is a transaction from XXXX for {$5200.00} and they want to know is that transaction authorized or not. I responded to their text that it is not authorized! After some time I saw that there is a transaction showing on my transaction list for {$5200.00}. I called Chase bank reporting that it is a fraudulent transaction and also told them that I responded to their text message as well. They told me that they are sending a new card and started a dispute with XXXX. After some time they put a temporary credit and after some time they reversed it by saying that XXXX responded to them that information is match. I dont know what information is matching because till now I did receive anything from Chase proving that. I requested two times to send me all information provided by XXXX. Till now nothing! I didnt receive letter that they declined the claim! After that have called XXXX they noted that transaction is fraudulent and told me that the only way to refund money to restart the dispute with the Chase! I called Chase they refused to reopen the claim. In conclusion what I have is they both Chase and XXXX knowing that I was a victim of theft refusing to refund my stolen money! And basically supporting fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
My escrow was {$2900.00} in XXXX. Then XXXX was removed for property tax and XXXX for property insurance. Then they said I have a XXXX balance, which should be around {$300.00}. Then I paid XXXX to add XXXX and then paid XXXX to add XXXX. They stated XX/XX/XXXX that my escrow balance was only {$62.00}. 

They have taken {$800.00} from me and will not add it back to my account. I've called them and they say the will look into it and call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: UT

Complaint narrative:
I was pregnant in XXXX and delivered in XXXX of XXXX. Since then I have been trying to get corrected billing information. Initially the bills in question were from XXXX of XXXX as I was being told my services were out of network. Long short short, after many phone calls and many many hours on the phone I spoke with XXXX XXXX as XXXX ( my medical provider ) and she let me know that XXXX had somehow let the agreement between them and XXXX XXXX XXXX lapse. She advised that they had fixed it and it would be retro active. Those bills were fixed. Within the last year I am now getting phone calls from Medical Revenue Services stating I owe {$1700.00} from XXXX XXXX XXXX XXXX rendered on XX/XX/XXXX. I was covered with XXXX at that time so this should not be the balance. I have been waiting for this bill to be fixed and a corrected bill to be sent to me for two and a half years now. I believe there is a limitation on how long I should have to wait to receive a corrected bill. This service should have been covered. I have attached supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I reached out to Self lender because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. Self lender disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on XXXX and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CARMEL FINANCIAL CORPORATION, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I noticed my XXXX  score dropped significantly 73 points. Carmel Financial account removed without any prior knowledge off my XXXX credit profile. I immediately contacted Carmel Financial and was told, " XXXX  suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed Carmel Financial Group I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted XXXX by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our XXXX and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/ 2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation