vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: LA

Complaint narrative:
ftc violations receivable recovery hippa violations all of them tele recovery inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine 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 2020-08-06 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: TN

Complaint narrative:
INFORMATION AND ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am unaware of and neither have I agreed to or know this company. It is my understanding that my consumer rights have been violated by this showing in collections on my credit file.

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 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
EXETER FINANCE COMPLAINT I requested a COVID relief forbearance back in XXXX, and was able to get a brief reprieve. Once that expired, I called on XX/XX/2020 requesting a regular payment plan, and talked at length with the agent, who was very empathetic ( very long conversation ) ; and he also escalated the request to his supervisor who advised that she could approve a payment plan after at least one payment. I did so the following week for the full monthly amount in good faith ( with the last monies I had from a partial paycheck ). 

I called again on or about XX/XX/2020 to request the forbearance, referencing the directions the supervisor told me to do from XX/XX/2020, and was told no and that I needed to make a double payment. I advised them to go back and listen to the recorded call from XX/XX/XXXX to confirm the commitment to me, and asked for a follow-up and for my arrangement. I was told that a manager would call me back. To date, I have not received any call or consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I would like to bring your attention to a serious issue I have with PayPal wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - the Scammer. 

The funds were transferred utilizing PayPals services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, This is XXXX XXXX, My previous name : XXXX XXXX I was Changed my name 2 Years ago with Court Name Change. 
I Changed All My information through this time with all my Banks Debit and Credits. 
But still not Changed with ( Experian Bureau Credit ), is so hard options to change. 
first time when I called more than 1 year they said by phone, we can not change until we seen all your credit cards reported this change, but the banks already changed, I waited all these times but no change. 
I called them again by XXXX XX/XX/2020 they said just fax it to us all your documents. 
then I sent by fax all my change name documents like SSN Card, and court name change, and my state driver licence, with cover letter to explain. 
after 5 days they updates my information with wrong info. they updates just my last name. 
And keep my old first name. right now when open my Experian account no credit history to see. my name is wrong. 
I tried to call again with 2 more times then I fax it again, with no changed or update.

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 2020-08-06 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: TX

Complaint narrative:
XXXX XXXX XXXX was paid completely off on XX/XX/2020. The payment was made directly to XXXX from my insurance company. Equifax is allowing XXXX to report erroneous late payments to my credit file for XX/XX/2020 and XX/XX/2020. This account was paid in full on XXXX in the amount of {$18000.00}. There is no further payment due. There were also no late payments in XX/XX/2020 or XX/XX/2020. I have the documentation as I am not sure what is wrong with the data on this account through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ). - the Scammers. 
The funds were transferred utilizing Coinbases services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted capital one about a disputed charge on my account for {$640.00} that was billed to me on XX/XX/XXXX from XXXX. On XX/XX/XXXX I made the dispute and they temporarily refunded me the money. They said that the case would be considered settled if the company did not respond within 90 days and that I would receive a written letter confirming this. On XX/XX/XXXX, 113 days after the dispute, I contacted Capital One because I had not received any letter. They reassured me that indeed the merchant did not respond and that the money was officially mine. They said to keep an eye out for the letter. On XX/XX/XXXX I was recharged the {$640.00}. I called to complain on XX/XX/XXXX and the representatives simply did not know what to do. A representative named XXXX put me on hold 4 times saying that he had to check with " his team in the back room. '' Each time he told me that I would be on hold for no more than 2 minutes. I was on hold for an hour and a half with absolutely no resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
My name is XXXX XXXX and am filing this complaint myself without any help of a attorney or credit agent, i am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft ACCOUNTANT NAME : XXXX/XXXX   Account number:XXXX  Date opened : NOT SURE Experian Report Number : XXXX ive contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identitytheft.gov ( XXXX ) XXXX which told me that was not true so I resent my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 7 years i recently spoke to Experian Identity Theft department and they told me my credit file was mix up with someone else & that they would fix it! still haven't seen changes!!!

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 2020-08-06 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hi, to whoever this may concern, I contracted XXXX at the beginning of XXXX of this year, I had a very hard time recovering from the XXXX, I was at home by myself for almost a full month not being able to work or get in contact with anyone, it is hard to explain the difficulties of coping with such a situation, on top of that I still had to worry about my financial bills, you can not imagine what it is going through such a situation, on top of that I was not able to go through my emails that frequently so I am not even sure if I got the bill or not, I hope you understand my situation and i ask that you kindly help me out.

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 2020-08-06 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest is the creditor for two ( 2 ) of my accounts pertaining too auto loans. Bridgecrest has failed to properly update the status of both my accounts to all three ( 3 ) credit agencies.

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 2020-08-06 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:
On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from XXXX XXXX XXXXXXXX. I started a fraud dispute with all 3 credit agencies and I reached out to XXXX  XXXX XXXXXXXX and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CA

Complaint narrative:
On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from XXXX XXXX XXXXXXXX. I started a fraud dispute with all 3 credit agencies and I reached out to XXXX XXXX XXXXXXXX and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.

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 2020-08-06 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: OH

Complaint narrative:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
Please be advise that XXXX XXXX XXXX has agree to remove Account # XXXX from my credit file, please process this request as soon as possible, I'm sending the original CFPB complaint and their responses as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TN

Complaint narrative:
INFORMATION AND ACCOUNTS WAS LISTED ON MY CREDIT REPORT THAT I DID NOT OPEN

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 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I would like to bring your attention to a serious issue I have with Western Union wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ) - the Scammer. 

The funds were transferred utilizing Western Unions services in the total amount of XXXX CAD! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Shellpoint Mortgage assumed responsibility as my new loan servicing company for the first payment due in XX/XX/XXXX. I learned of an issue with my timely made XX/XX/XXXX payment when I went to make payment for XX/XX/XXXX. I immediately called Shellpoint to inquire about the issue and what occurred with the payment made in XX/XX/XXXX, at which time I was provided inconsistent information from two different representatives. Shellpoint reported my payment to the three credit bureaus as having not made a payment timely, although their records clearly show that I did make payment timely in XX/XX/XXXX. Also, in communicating with Shellpoint about this error, I was told that my payment was returned because the banking information did not match and that my banking institution returned the payment, neither of which was true. We confirmed my banking information, confirmed that I had adequate funds to cover the payment, and that the payment was made timely in XXXX. I asked for them to remove the error from the credit bureaus, had made this request more than once, called on the phone multiple times ( once with my banking institution on the line to confirm again for a second time my banking information which matched completely and to confirm that my banking institution did not return any payments ), and I submitted a detailed letter laying out the history and proof of a timely payment. I followed up because well over 30 calendar and business days have passed, and I have heard nothing. So, despite trying to get this resolved in an orderly way and being promised that I would get a response and a return call, none of this has happened. Therefore, I am filing a complaint with the CFPB to assist with rectifying this situation. I have attached my complaint letter and additional proof of the issue and my attempts to resolve it. 

As a secondary issue to note for CFPB to look into, which feels very suspicious in nature given Shellpoint 's history, Shellpoint seems to withhold additional escrow funds unnecessarily and improperly and conducts escrow reports frequently to justify their actions. I have never had this much money withhold in escrow. This issue should be looked into as well to see if other consumers have raised this issue about Shellpoint and also my escrow review and withholding that changed only when Shellpoint took over is suspicious. I have had three prior loan servicers and have never had this issue. Even the representative I was speaking to on the phone noted that this escrow review being conducted multiple times in a short period was highly unusual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
I resided at any apartment called XXXX at XXXX managed by XXXX XXXX XXXX. Upon move out I received a final bill with a charge of {$1500.00} for carpets damage when there was no carpet damage. When I attempted to dispute this the apartment complex did not respond to my emails or phone calls and sent my file to the XXXX XXXX who later sent my file to a collection agency by the name is Results Unlimited. I have been trying to dispute this charge and not the rest of the charges as this charge is inaccurate and I have supplied them proof with condition of the apartment and carpets condition upon move out. I sent emails to XXXX upon receipt of the final bills with pictures of the apartments condition upon move out with no damages XX/XX/2020, and my account was in collections by XX/XX/XXXX with no contact or explanations from the XXXX XXXX or XXXX at XXXX  prior to that. The collection agency ( Results Unlimited ) is telling me they can take legal action if I don't pay and if I choose to go to court I have to also pay the legal fees in addition to my final bill. This is opportunistic behavior during a pandemic to charge someone fraudulent charges. 
My Issue is incorrect billing/inaccurate charges, The Apartment complex XXXX at XXXX did not provide any reasoning or evidence to support these charges when I provided proof of the apartments condition upon move out. The XXXX company forwarded my file to collections as well without contacting me and the collection agency is wanting to charge me legal fees to dispute my concerns in addition to current charges or " take legal action '' if I don't pay.

Company response to consumer: Closed with explanation