vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
XXXX XXXX  ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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:
please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
XXXX XXXX  ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
The collection agency is in violation of the law and inaccurately reporting fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: MD

Complaint narrative:
Good morning. My complaint is with Experian. I tried sending them about 2-3 letters over the past 3-4 months informing them that they were reporting informing on my credit report that was both fraudulent and incorrect and each and every time they sent me a letter back stating that they couldn't find me. Over a month ago I sent in a picture of my social security card and now they haven't sent me anything back and it's been about 5-weeks since I sent in my last letter. I sent it back in XXXX and it's now XXXX. No response whatsoever.

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 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
HAD FIRST MORTGAGE WITH RP FUNDING THEN REFINANCED THROUGH RP FUNDING BACK IN XXXX. ACCORDING TO RESPS SECTION 3500.17 ( f ) RP FUNDING HAS 30 DAYS IN WHICH TO REFUND ME THE ESCROW BALANCE ON TH EOLD MORTGAGE. THEY WERE IN VIOLATION OF THIS SECTION I DID NOT RECEIVE THE CHECK IN 30 DAYS. SECOND WHEN I DID RECEIVE THE CHECK I ATTEMPTED TO DEPOSIT IT TWICE AND I WAS ADVISED THERE WAS SOMETHING WRONG ABOUT THE CHECK. THEY ADVISED THAT THE CHECK WAS STOPPED. I CALLED RP IMMEDIATELY ( 2 DAYS AGO ) AND WAS TOLD I WOULD GET A DCALL BACK LATER THAT DAY. NOTHING HAPPENED. KEP TRYING TO CALL SINCE THEN AND LEFT MESSAGES AND NO CALL BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: MA

Complaint narrative:
XXXX XXXX XXXX mailed me a Judgement For Plaintiff notice on behalf of Discover credit card. XXXX XXXX XXXX claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is {$9.00}, XXXX, according to this default judgement. I was never notified of a court date. XXXX XXXX XXXX claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX  XXXX, went to the hospital, gave all of my health insurance info to several employees, I'm insured with Veterans Administration. I received a letter in some time later ( not sure of date maybe in XXXX  sometime ) saying bill had not been paid, I ignored it thinking VA just is slow in processing payment. I received a collections letter from Collection Services of Athens in XXXX, phoned Collection Co. XXXX and spoke with XXXX, advising I have VA insurance and gave that to everyone at time of service. I advised my last name has a " XXXX '' listed and due to them not correctly submitting form that may be why VA hasn't paid. They resubmitted, VA denied payment because over 6 months had passed and VA, in denial letter, advised " patient is not responsible ''. Collection company continue to call me, I advised I have insurance that covers this, had they filed properly and timely this would have been paid. All of the other providers were paid and they would have been too IF they filed properly. They didn't and now they want me to pay something that I never would have owed had they filed proper paperwork. They have also put this on my credit which negatively impacts me for their mistake.

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 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
Contacted debt collector that this is not my debt. I do not have a XXXX account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and Credit Corp Solutions need to stop attempting to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

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 2021-11-04 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: MD

Complaint narrative:
Good morning. My ongoing issues are with Equifax. I informed them several times via letters and phone calls that they have a lot of incorrect information reporting on my credit report and to please remove it and they keep telling me that they can't find me in their system. So I sent them pictures of my I.D . my social security card and a bill in my name along with my disputed accounts and it's now been about 45 days and I haven't heard or received anything back from them yet. They are violating my consumer rights and they aren't taking my issue serious nor are they trying to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America closed my three credit cards without any prior notice and without providing any reason that why they are closing my account. As one of the biggest financial institutions they know what are the consequences that I must face because of this for example Bank of America added some remarks on my credit which I can't see and was never communicated to me in any way which can hurt me with my plans ( buying house, a loan for a business etc ). Attached documents shows that I never missed any payment, and two out of three credit cards are fully paid off. when I call on the number and I was told my account is flagged for money laundering and I have no clue why this happens. Bank of America Checking account was my salary account ( which now I moved to other bank ) from where all the transactions ( rent, credit cards ' bills, transfers to my family through legal and approved means by federal ) used to be made. 

I want explanation on my concerns, and I have separate claim ( XXXX ) for my checking account as well

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: FL

Complaint narrative:
The issue first began in late XXXX. I made a payment like I normally do and noticed that it said I was still a few cents overdue. Thinking I had made a mistake, I went and made a payment for the few cents that was considered overdue. It still told me I was a few cents overdue, no matter how many times I tried to make that payment. 

Upon speaking with the first individual at Upgrade, I was told that the issue would be resolved within a few business days. My account was considered delinquent because of this issue, and was on the border of being reported to the credit bureaus. They assured me that they would send a form in to fix that. 

My account never reflected these changes, and soon my next payment was due. Upon making this payment, I ran in to the same issue. It said that my account was XXXX cents overdue. After several calls and several long conversations where I was assured that this issue was fixed, I am still XXXX cents overdue, considered 29 days delinquent, and nothing has been done to rectify it. 

After hours of being on multiple phone calls with different representatives over the course of a few weeks, I managed to get escalated to a team lead who informed me that she could not escalate me to anyone, that no one was able to fix my issue for me while I was still on the phone with them, and that ultimately we just had to wait on the processing team to fix the issue. The same processing team that still hasnt fixed the issue in the last month and a half. 

I have not been able to use my card because it says that Im overdue ( even though Im very obviously not ). My account will be considered late as of tomorrow and be sent to the credit bureaus, even though I AM NOT. I am very tired of calling them and being lied to. I dont take making a complaint like this lightly. This is absolutely crooked and Im fed up with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates, LLC is attempting to collect on 2 debt that are not owed and are a result of identity theft. I have attached the FTC identity theft report and fraud report to this as well. Further, they have violated US Code under the Fait Debt Collection Practices 15 USC 1692d ( 2 ), which the damages are not to exceed {$1000.00} ; and Under 18 USC 1028 ( a ) ( 1 ) ( 2 ) and there is not limit to actual damages for the violation of this crime.

I have attached documentation as a formal statement from the FTC. These penalties are per attempt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
I have written disputes to the credit bureaus to remove this from my credit profile. Ive submitted multiple documentation showing that ive never lived in these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: MD

Complaint narrative:
Hi, to whom it may concern transunion is reporting unverifiable accounts on my credit report that's severely damaging my credit score and ability to seek new credit. I pointed out to them via letter that these accounts aren't mine and to please remove them. I sent my last letter back in XXXX and it's now XXXX and I haven't heard back from them yet. They clearly don't care about my issues and aren't taking me serious.

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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
XX/XX/2021 : According to Coinbase support, my Coinbase account was compromised via session cloning. The attacker was able to sell XXXX ATOMs for {$8000.00} USD ( not including fees ) and withdraw the money using their debit card. 

I have tried numerous times to get information and guidance regarding this issue, but I've only received the static IP address of the attacker. This information was given in late XXXX. Since then, Coinbase has been unwilling to assist me in any capacity regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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:
Hello, To whom it may concern, my issue is with TransUnion. I've tried for months to dispute student loan accounts reporting on my credit report that aren't mine and were apparently reporting on my credit profile since 2009. 

I told them that these accounts aren't mine and to please send me documents on to how these accounts belong to me and to basically verify that there mine. They have yet to do so and it's been well over 30 days since I sent my last letter and I'm yet to receive anything. 

They are supposed to report only 100 % accurate verified accounts. I pointed out several times that these accounts aren't mine and they are yet to provide me with information showing me how they are. I called them a few times and still nothing. 

They clearly don't care because they aren't responding back to my letters and don't care that they are also violating my rights under the FCRA. I am beyond frustrated and I'm ready to sue them also. Please help me if you can.

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 2021-11-04 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Penfed screwed up my home equity loan, and reported me late on a payment in XX/XX/2021. My original account was with XXXX XXXX XXXX XXXX. XXXX closed and transfered all members to Penfed FCU. Pedfed had troubles getting my home equity loan migrated to their system. I repeatedly called them in fear of being marked late. They assured me that would not happen. A day or two later, I received a phone call from Penfed that I was late on my account. I made that payment with that caller immediately, but not before Penfed already reported to the the credit agencies. I was not late, and Penfed agreed that it was their fault. I have a letter from Penfed acknowledging their error. But they had already reported it to the credit agencies. The letter dated XX/XX/2021 states that they will correct error and have my accounts through the agencies cleared. As of this writing, XX/XX/2021, the credit agencies still show that late payment, and have reduced my credit rating. I've tried to contact Penfed, at this time there has been no response.

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 2021-11-04 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 is incorrect
Company: Block, Inc.
State: MI

Complaint narrative:
I received an Unearned Income Letter from The Department of Health and Human Services saying that I own stocks. I don't recognize the amounts, and when I searched the address nothing shows up. The amounts are also very odd, like one is for XXXX  dollars lol.

They are all from the same company address, yet each have different account numbers.

Reached out to the company, SQUARE INC, they say they don't know either.

Emailed ; called, and tweeted the IRS a lot, no response lol. Contacted Social Security since I'm low income, they said to contact you because it sounded like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. SYNCB/GAPDC Account Number : XXXX This is not mine.

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 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I called the company and ask for proof that the debt is mine and they refused. I asked for an original bill or anything with my signature and they said, they don't have to supply it. I ask to speak with a supervisor and they always put me on hold and then the call is disconnected. I have been trying to remedy this incorrect charge to no avail. I did file a complaint with the credit report agencies, but all they say is " Account information disputed by consumer, meets FCRA requirements ''. I even called the hospital and they say they have no information of anything sent to collections, I ask for the date of service and they failed to supply that information. I have tried to gather information and am unable to get it and the companies in question are not giving me the required information. 

I am retired and on a fixed budget, I have to check where I am spending my money. I don't have much and I do not believe this bill is accurate. I keep getting the run around and it not fair and I find it abusive to me. 

please help. 

CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX - {$270.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$270.00} Highest Balance {$210.00} Opened XX/XX/XXXX ( 2 yrs, 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation