vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax changed my first and middle name without a request from me or my permission. I have never changed my name nor do I use aliases. They had a data breach in 2017 which appears to have resulted in mixing my file with another consumer 's file. I first found out when I had to pay a double deposit to rent an apartment, something I've never had to do. Following this, I requested a copy of my credit report that included this other consumer 's SSN, date of birth and first name. His debt with XXXX XXXX still presently shows on my Equifax credit profile for {$250.00}. I confirmed the debt belongs to this person with both XXXX XXXX aka Spectrum XXXX my current cable/internet provider ) and the collection agency holding the debt, XXXX. XXXX confirmed the debt showing and the name are from Alabama, a place I've never lived. I've called Equifax on more than 40 occasions to correct their records without any assistance and repeatedly refusing me information about when the changes occurred and how. They've also told me a creditor can change my bureau information without my consent, which I think shouldn't be allowed, especially since they refuse to disclose who did it and when. On my last call with them, one of their agents confirmed having a copy of my SSN card and and TX license on file since 2017 but refusing to use them to correct my name in their system. The debt in this person 's name has resulted in higher interest rates and paying more for credit. They've also not correctly handled the disputes for the erroneous debt showing on my credit. Whenever XXXX attempts to correct the information, they encounter the name issue and assume accuracy. I'm at my wits end. Equifax is the only bureau showing my name this way. Consequently, my score with Equifax is 20 points lower than all other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX, Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Solomon and Solomon, P.C.
State: HI

Complaint narrative:
This account with Solomon & Solomon PC is showing up on my credit report. I have never heard of this company attempting to collect this debt from me. It shows up on my XXXX report as an open account # XXXX for {$590.00} reported on XXXX and it also shows up on XXXX as a closed account # XXXX reported on XXXX. I have been in the state of Hawaii since XXXX of XXXX so not sure how one is reported open and the other is reported closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I tries to open a cpinbase account on a new email address because the email I had used to sign up to coinbase wasn't going to be used by me anymore. Because of this simple thing coinbase banned my account. I have tried to get it opened again by coinbase but they answer my tickets ( about 6 now ) by stating that they can not help me and the can not tell me why and to try to open another ticket in a month. It has been almost a year now ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Received buyout quote from XXXX XXXX. As instructed by XXXX  customer service, paid the full amount in two electronic payments because their system had a limit for single payment below the buyout amount. The amount was paid well within the amount of time required for the buyout to be valid. 

Ive confirmed with XXXX  customer service that payments were received, and they also show in my XXXX  account online. It appears though that the payments have not been properly applied to buyout and the account remains active and therefore they will not release title. 

Finally, even though XXXX customer service indicates account is still active, which is why title is not released, XXXX  has reported to credit agencies that account is has been closed. Ive verified this through a credit monitoring service I use. 

The payments for the lease buyout were posted to my lease account online more then 30 days ago. I contacted them first about 2 weeks after that to determine when I might expect to receive title. This is when I first learned that there was a problem. XXXX  never once contacted me. Since then, Ive contacted XXXX  many times. I was told they do not have the ability to communicate any updates out to me, so the only way I can find out status is to call back in. Ive done so multiple times and talked to multiple people. So far everyone agrees that buyout is fully paid, they have all other required documents and account should be closed and title released. But, no one can actually confirm with department within XXXX  that is responsible for doing this that this is actually happening.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet experian and XXXX  has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet XXXX  and equifax has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Yesterday i was the victim of fraud and identity theft. A made up company called my bank pretending to be me. Took out a claim on a payment i made almost a month ago. My bank wells Fargo with no issues gave them ( my account ) a XXXX dollar provisional Crdit. After the credit was put in the account the theif zelled themselves the XXXX outta my account. I DID NOT AUTHORIZE this. I called the fraud department and reported them being told my by bank that it would be handled and i didny have to worry. I woke up today after going to sleep with a positive account of XXXX dollars and this morning it was negative XXXX dollars. They took all my funds from me and wont reverse it. I never authorized or took out a XXXX dollar claim nor did i ever XXXX someone money. credit nor the XXXX that they allowed. They physically put the funds in the account for these people to take and now wont help me fix the problem and are making all of the problems worse. I want my money back. The were so willing and eager to give give frauds access to funds in my account but wont give their own true and real customer THEIR MONEY BACK

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Reference : Homedepot credit card serviced by Citi Bank Without warning they lowered my credit limit. They lowered the amount immediately before the 6months interest free terms expired. The added interest and forced fees placed me over my new limit and caused more " over limit '' fees. I attempted to contact Citi bank ; they were unwilling to discuss this poor practice. 

I am sure that others have experienced the same issue. I am now always over my limit due to added fees even when paying their " minimal '' stated payment.

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 2021-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, 2020 I was scammed out of {$1500.00}. 
The company portrayed to be a part of a national pandemic rescue for homeowners. They had me go through a lengthy interview process and I was referred to them by a fellow army  service wife.They were promising with about 15-20 % down and a service fee I would be eligible for $ 10,000-15,000 in Pandemic Assistance for Homeowners.

This turned into my worst nightmare. 
My son who is XXXX  years of age and goes to college full time, took money out of his personal bank account to help his mom out : ( After sending my payments I began to panic as they started asking me for more and more information and questions that did not pertain to the application I had just done with them. 
I immediately contacted my fellow army wife and got even more frightened because it didnt sound like her. It wasnt! she had been hacked! 
I contacted cash app immediately. Gave them all information, the number they were calling from, their information on cash app. I sent alert after alert to cash app. These hackers/scammers were visible on cash app for weeks and their number was working for weeks as well. Cash App did absolutely nothing! Nothing to help me, or to prevent these terrible people from doing it to others. 
Please, please help. I finally found you guys and the XXXX XXXX XXXX after months and months of contacting cash app with no help from them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
SEQUIUM ASSET SOLUTION Account XXXX Historical Info Original CreditorXXXX XXXX  Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX The company says I owe XXXX for a high speed modem that was hard wired in my apartment that I vacated. The address was XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX. I was told by the installers that the modem can not be removed because it was wired into the wall. I spoke to several representatives of XXXX and they took notes and scheduled a technition to reove the modem. I was told that I was not responsible for the XXXX becuase the modem was hard wired into the wall and I would not be able to return it to 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 2021-06-17 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: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had a tree take out my house XX/XX/2017. This traumatic event meant I had to live in hotels and an apartment while XXXX rebuilt my house. During this time, I was not receiving my mail on a regular basis and I had to establish an array of payment arrangements with XXXX, a creditor for my younger son 's viola. Despite my paying XXXX and the music collection agency, XXXX, these debts are still shown on my credit score. When I log into Experian, my FICO scores show as XXXX with Experian and XXXX with XXXX. However, when banks pull hard credit records, they report low scores of XXXX. It's very confusing as I paid off the majority of my home with my ex-husband but I'm being penalized as if I never had a good mortgage payment history. 

Documents I am including are : a snapshot of my current scores from when I access Experian 's website ; XXXX paperwork showing my case re : rebuilding my home and settlement paperwork from the sale of my house, which could not have gone forward if the loan was in arrears. Correspondence fro XXXX is also attached. 

I appreciate feedback why credit records have little accuracy and accountability ; I have been working to fix my credit for over a year ; it's quite disheartening. 

Thank you for your time. 

Respectfully, 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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Collections, Inc.
State: MO

Complaint narrative:
I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NY

Complaint narrative:
XXXX XXXX has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

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 2021-06-17 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: NY

Complaint narrative:
XXXX XXXX  has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

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 2021-06-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On or about XX/XX/XXXX, received mail from Huntington Bank congratulating me on opening a new account. I did not open any accounts with that bank. 

On XX/XX/XXXX I contacted Huntington via phone and spoke with a representative. She said the account would be closed. At that time I was aware that a checking account and potentially a debit/credit card had been issued in my name. 

On XX/XX/XXXX, I received a statement from Huntington showing accounts were opened for both savings and checking, although with no transactions from XXXX XXXX XXXX. That suggest XX/XX/XXXX may have been the start date for the fraud. 

On XX/XX/XXXX I called Huntington but phone issues prevented the callback ( 50 minute wait ). I sent a note to the Huntington fraud department via their email address from the website detailing the situation again. 

On XX/XX/XXXX I called again and spoke to another representative who said the account should be closed, and not to be concerned if there was no activity. To date there has been no correspondence from Huntington whether the fraudulent account was closed, or when it might be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I have written Waypoint Resource Group multiple letters asking them to identify themselves and to give purpose for why they are reporting to my credit. Waypoint has failed to respond to any of my requests for validation. I am a consumer, and the FCRA grants me the right to request validation from a creditor for an account on my credit. They have failed to meet the obligation set forth before them. I also have the right to dispute a debt pursuant to the FDCPA, and they have failed to respond to my dispute, and have continued to report said disputed debt, which they can not validate. They are directly in violation of these two laws that were written to protect me! please use your authority to help any way you can!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I paid excise tax back in XXXX, for over XXXX dollars. Car was totaled on XX/XX/20 It was paid off by my insurance. 
I have been trying to calll Chrysler Capital Several times with no able to direct me, or put me on hold and then they hang up. 
I just want my abatement check, they owe me. ( its probably around XXXX ) XXXX XXXX I also put in a complaint before with company on this site

Company response to consumer: Closed with explanation