vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
My Discover credit card was fraudulently used last XXXX. In fact, Discover sent me a text informing me of this problem and I clicked I did not authorize this charge. It was apparently for a hotel in XXXX, WA. 

I thought I was done with the matter when a replacement card was sent to me. However, two months later, Discover billed me for the charge. I clearly clicked I did not authorize the charge, nor was I in XXXX at the time. Discover claims a copy of my driving license was given. I suspect someone obtained a copy of my license, but because the DL center is closed at the moment I have not been able to verify this. Earlier in the year I also had to provide a copy of my DL for two jobs I've been at and I have asked the police to look into those two places too. 

I will be obtaining new driving license numbers when they are reopened after the pandemic. 

I have filed numerous police reports and shared them with Discover. But Discover claimed the police " closed '' the reports, possibly because the police have other priority events, especially in the XXXX area. I hope at some point the police can go look at video footage of the supposed hotel involved in the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CA

Complaint narrative:
This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and TransUnion reports a high balance of {$16000.00} while reporting {$12000.00} on XXXX. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while XXXX shows XX/XX/XXXX and TransUnion showing XXXX. This account on XXXX  and TransUnion shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. XXXX  shows this account was an auto loan when in fact it's an Lease as shown with XXXX and TransUnion, The payment history across XXXX and XXXX are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.

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 2021-01-29 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: CA

Complaint narrative:
This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on Equifax. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while Equifax shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX  shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. Equifax shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX and Equifax are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XX/XX/2021 a debt validation letter was sent to " TRANSWORLD SYSTEMS '' via " CERTIFIED MAIL ''. 
On XX/XX/2021 " TRANSWORLD SYSTEMS '' updated my credit file with all 3 credit bureaus with an account they have not verified causing damage to my credit score and file. 
As of XX/XX/2021 I have not received any correspondence from " TRANSWORLD SYSTEMS '' in regards to verify said account. 

In pursuant to 15 USC 1692g 809 ( a ) and ( b ) " TRANSWORLD SYSTEMS '' is in violation of the Fair Debt Collection Act. 

Violation # 2 if the original creditor " XXXX XXXX XXXX '' sold alleged debt to " TRANSWORLD SYSTEMS '', " XXXXXXXX XXXX XXXX '' CAN NOT continue to report on my credit file/s for the same alleged debt unless its a charge off which it is not listed as. 

Alleged amount owed {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I went thru modification thru a law firm was qualified and ended up loosing my home. I was a first time home buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX - Amount is {$5900.00}, this account does not belong to me. This was opened, XX/XX/2019 2019

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 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I requested for XXXX to release the two Deed of Trust recorded against my property. The record indicated that there are two recorded Deed of Trust on my property. I have contacted XXXX more than one month ago and approximately eight ( 8 ) other times since, but XXXX has refused to provide any information as to how or what I need to do to have XXXX release the two liens or Deed of Trust that was recorded on my property. I am in the process of refinancing my home to a conventional loan and my interest rate is locked in until XX/XX/2021. However, I can not complete the refinance process because XXXX will no provide me with any information about how to release the liens or release the two Deeds of Trust recorded against my property. XXXX has transferred me to multiple departments that have no information regarding the two Deeds of Trust. I have even provided them with the two recorded Deeds of Trust information. 
XXXX purchased the loan from XXXX XXXX XXXX and now own the rights of the loan. I looked up XXXX XXXX XXXX and was redirected to " XXXXXXXX XXXX XXXXXXXX '' website. I called XXXXXXXX XXXX XXXXXXXX, and then was redirected back to XXXX. Before I was redirected, XXXX XXXX XXXX told me that XXXX is now running XXXX XXXX XXXX . However, no one at XXXX can find the two two liens or deed of trust. XXXX keeps promising me that they will resolve it in 2 days, but nothing has been resolved.

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 2021-01-29 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: PA

Complaint narrative:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : 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 2021-01-29 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: PA

Complaint narrative:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Application ID # XXXX, application date XX/XX/2021 at Costco Wholesale. Application was made when I joined Costco for the Citibank 's Costco Anywhere Visa. I was provided the mentioned application ID number and I received a letter about 10 days later after the application where is stated they were unable to approve my application because they couldn't verify some information on my application. The letter did not tell me what information and did not offer any possible way to resolve this or assist me on how to resolve this. I called their toll free number on XX/XX/2021 at around XXXX EST. I spoke with a representative by the name of XXXX who transferred me to the application department. I only received a recording that asked for my social security number and only told me a letter was already sent to me explaining the status of my application.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have unauthorized Inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/2021 I Sent USD XXXX at XXXX XXXX from Coinbase Pro to Coinbase Account. Transaction ID : XXXX. The money was never transferred to coinbase account and is not in my coinbase pro account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 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: WI

Complaint narrative:
Experian has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with Experian, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or Experian.

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 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: MD

Complaint narrative:
I originally started the refinance process with Sofi in XX/XX/2020. Since then they have repeatedly asked for my pay stubs, bank statements, and various other documents. I've given them absolutely everything. Over the last 3 weeks they have scheduled and canceled my closing numerous times! The reasoning has always been because they haven't gotten all of the paperwork from underwriting. Well today they emailed me to say they had to pull my credit report again because what they have expires on XX/XX/XXXX. My XXXX XXXX balance has gone up and I am doing monthly payments. They tell me that they need something from my federal student loans to say how much my payments will be. They already have this. And now they want more bank statements and proof I have the reserves to pay off my XXXX XXXX which is a balance of $ XXXX that I do not have. I make monthly payments. 

I'm concerned they never planned to give me this loan. I'm concerned their may be some discrimination occurring. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: IL

Complaint narrative:
I wrote Experian and XXXX about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but Experian and XXXX are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have unauthorized Inquiries on 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 2021-01-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXXNSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-29 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: CA

Complaint narrative:
Coinbase.com is the exchange I used to buy the crypto-currency coin XRP. I stored my coins on coinbase.com and I used the coinbase vault feature to store my coins. I have been trying to withdraw my coins out of the vault, but they are stuck. 
The security feature has me approve my withdrawal through a primary email then secondary email. I click on approve withdrawal and I get sent back to coinbase and nothing happens. My coins don't get withdrawn. 
If I try to make another withdrawal then I get an error code that I have to complete my first withdrawal, even though the withdrawal cancels itself if I don't approve within 48 hours. 
So I am completely stuck and coinbase support isn't responding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I have to make payment of {$520.00} a month for my installment loan but during this situation ( corona virus ) I was trying to keep my credit right but for this situation now I have this negative Item in my report. they was trying to take the money automatically from my account but the payment was did not go through. I call the company to ask them why they never notified me about this situation and at the same time I was trying to fix it but they can't do anything and now a balance of {$1100.00} that is on my report affecting my credit score for this unfair situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I would like to file a complaint against Portfolio Recovery Associates they have been trying to collect a debt that is not mine I have asked him on several different occasions to please not call me or contact me and they have sent me letters they have sent me of text messages they even called my job looking for me and you know what this is all for a dad that I asked them to show me proof and I asked for them to validate it and they were unable to do so they sent me just one letter saying this is what I owe and that it was something that they bought from another creditor but they did not show me any original documentation I did not show me my signature they didnt show me anything that I requested and all I want is either proof that this is in fact my dad because I do not recognize it and I when I say proof I want original documentation I want to see that theyre probably not allowed to collect in my state license in my state and I want you know everything that theyre supposed to show my lawyer in the FCRA that they did not show and I want them to also stop calling and stop harassing me for this money that I dont know theyve been rude theyve told me I was a XXXX and I dont appreciate it. its been really really stressful and you know they keep Marking my credit and every single month and they have yet to show me proof that this is my dad and I think that they should be fine and I already contactI already contacted legal representation and they do this for a living and they told me that does based on all the the documents that I said I showed them and I fax them out Im on like the communications that theyve sent me a portfolio sent me that they said that this is this is all a slam dunk case so I really at this point next step for me is going to be to take a class action lawsuit or they could just delete this from my credit report and my file completely and never contact me again and thats it

Company response to consumer: Closed with non-monetary relief