vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX MT Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VLLY NAT BK Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
the following accounts appear on my credit report, without any authorization, this is not mine, please check them XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXXFORTIVA Account Number : XXXX This is not mine. 

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
The company have contacted me about my payment that was due which the charge me double for some passed due and I paid it which was in the same month of XXXX and XXXX. But to my surprise when I call to make my payment for the month of XXXX I was told that I have already paid for XXXX. So please I would like for this incorrect information deleted from my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXXm really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent account that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-09-10 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 see identity theft report. I have consistently disputed fraudulent account that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased of {$5700.00} of shibainu coin from coinbase pro. It turned out the price was wrong on exchange. And I found Out today it came down to {$500.00}. I am so confused and surprised because coinbase is public company and they don't seem like try to solve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I downloaded the prepaid serve app from my XXXX play store. When I downloaded the serve mobile app it prompted me to accept an End User License agreement. The XXXX was not from XXXX XXXX serve. The companies listed Was Incomm Financial Services Inc and Interactive Communication international Inc which is associated with XXXX  and bradstreet in which is the company that was used for inside trading with XXXX and to transfer and convert my former employer XXXX common stock. Basically the XXXX is unethical deceptive and unfair. Also inorder for the thieves to conseal the deceptive practices fraudulent transaction is to control it. What I mean by that is individuals group business and or government entity to get a financial licenses and offer financial services to keep it a secret or alleging I made fraudulent transactions in which i did not do.Also to make a claim and collect the refund for the same transaction that they made fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
There was not sub category for this issue. This is probably in the wrong category. This complaint is against Experian. This complaint will be used as evidence against Experian in my law suit that I am initiating against them, My credit score has dropped 23 points since 3 days ago. There has been no new derogatory information reported on my credit report. All my open accounts are paid on time and in good standing. My credit usage decreased by 6 percent. My overall debt decrease by almost {$200.00} and this cause my score to drop? Not likely. Experian is retaliating against me because I filed a complaint against them with the CA Attorney Generals office. There is no way my credit score should have dropped 23 points when no new derogatory information has been added. My overall credit usage decreased and all my open accounts are paid on time and in good standing. My overall debt decreased by almost {$200.00}. I understand how credit scores work and how many things factor into a credit score. This being said. There is no logical reason that my score should have decreased. Experian deliberately dropped my credit score out of retaliation.

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd
State: NJ

Complaint narrative:
XXXX XX/XX/2021 Funded account with XXXX XXXX XXXX XXXX XX/XX/2021 Requested ACH disbursements totalling {$2100.00} XXXX XX/XX/2021 Contacted Wise customer service due to held transaction - submitted requested information XXXX XX/XX/2021 Submitted formation and identification information on website. 
XXXX XX/XX/2021 XXXX XXXX customer service to followup. They said it could take XXXX days for compliance to respond, that I didn't need to do anything. 
XXXX XX/XX/2021 Placed wire request for XXXX XXXX XX/XX/2021 XXXX XXXX Customer service. Was told to just wait. I said " thank you, may I know how long I should wait until checking again? '' The response was " I already told you, you need to wait '' and they ended the session. 
XXXX XX/XX/2021 Found email in spam from " XXXX '' requesting a statement on source of funds. 
XXXX XX/XX/2021 Customer Service assured me that funds will be released in the morning. 
Later XXXX requests detailed business plans and other private information. Later that was amended to an Official Notice from the sender of funds. 
We are a very small company. We don't know when the requests will stop, we can not pay our suppliers. This grant was a lifeline to help us stabilize our business after a very hard 18 months. TransferWise will likely cause our company to fold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
A second creditor ( Franklin Collection a service ) is trying to collect a debt from XXXX disputed this account over a year ago and was removed from previous collection agency. This account does not belong to me, after investigation, it was determined this service was at an address I had never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: DISCOVER BANK
State: NC

Complaint narrative:
In XX/XX/XXXX we agreed to a Discover Card Direct Pay agreement which would draft XXXX our checking account monthly. We had just been enrolled in the HAMP program and need to stabilize all our expenses. The agreement was for one year. In XXXX of XXXX, without notice, letter or even a call Discover drafted {$430.00} from our account. We called and asked that the above {$300.00} amount be returned immediately. They said no, it was " a past due '' amount. Nothing could be done. In XX/XX/XXXX without notice again, they drafted {$710.00} from our account. We were shocked and called again to no avail. They subsequently closed the account and demanded full payment. Our position is that their Direct Pay agreement does not allow them to withdraw whatever amount suits them. Their credit agreement does not allow it either. We can not believe we are the only ones to suffer this fate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: AZ

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at Equifax on XX/XX/XXXX about the unauthorized account and inquires that appears on my credit report I request the following account to be blocked, delete and removed off my Equifax credit report account : " XXXX  XXXX  '' Open Date XX/XX/XXXX Amount {$380.00} Account XXXX, Inquiries " XXXX  Date XX/XX/XXXX '', and " XXXX XXXX-XXXX  Date XX/XX/XXXX " .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be blocked and removed immediately from my Equifax credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I applied to a rental company on XX/XX/XXXX named PMI XXXX. I was denied the rental because via my tenant screening report my DOB and SSN did not match according to my Equifax report. I checked and pulled my full report upon receiving my copy from the company and indeed my DOB is wrong. I need my personal information updated, I have placed a freeze on my credit report via Equifax and need to report fraud on the individual whom birthdate is presented as mine on my Equifax personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal permanently limited my account on XX/XX/2021 ( Reference ID : XXXX ) which prevents me from withdrawing funds on my PayPal account. This was done according to PayPal, as a result of a presumed unauthorized activity on my account. And as a result, limited my account. 
PayPal decided to hold my funds on the account which INCLUDES a Crypto coin ( Ethereum ) balance of over {$1800.00} I made an initial complaint through CFPB portal and PayPal responded on XX/XX/2021. 
Paypal explicitly stated on their response - Pursuant to the aforementioned section of the User Agreement, PayPal may hold account balance for up to 180 daysWe will make any remaining funds available to you for withdrawal on or before XX/XX/2021 Its now 19 days since specified date in which funds were to be made available, and despite engaging with numerous customer PayPal representatives, I have still not been giving access to my Crypto funds for withdrawal. They currently have no date in which they plan to release the funds. 

This situation continues to cause me financial distress especially in the current economic climate caused primarily by Covid-19 pandemic. 

My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was contacted by a Navient agent around XX/XX/XXXX inquiring if I was interested in lowering my monthly payments of {$420.00}. During the call, she requested some information, mostly none PII, with the exception of my current salary. Because I was contacted by them and as a precaution, I refused to provide my yearly salary. The agent then advised me that there were other options not requiring salary information and started processing the request to lower the amount. She offered 2, 3, and 4 year plans, with the last one lowering the monthly payment to approx. {$240.00}. I asked to be included in that plan with the understanding that it would go up at the end of the 4 years. The agent even added that before the expiration of the new loan, I would be able to resubmit a new request and restructure my loan all over again. 
Due to what the agent described as some processing issues, she said that she will just submit the request and that I would be getting a letter in a few days with a confirmation that the payments have been changed. On XX/XX/XXXX I received the letter and the amount of my monthly payment was increased to XXXX. Instead of lowering the amount, it actually increased it by {$3.00}. I immediately contacted Navient and they advised me that I did not qualify for the loan that I was offered ( Graduated loan ). Also, and due to my yearly salary of $ XXXX I do not qualify for any other plans. Why this did not come up in the original discussion baffles me. Navient says that this change was going to happen regardless of my request for lowering my monthly payment, but that seems to much of a coincidence. This is bait and switch. They call me and offer me an option to lower my payments and then end up increasing them. The increase is negligible, but how many other people with a different income are they doing this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
so far today XX/XX/2021 i have received 3 calls from XXXX, XXXX, XXXX, and at XXXX. on XX/XX/2021 i received 2 calls from the same number, one at XXXX, and the second at XXXX. On XX/XX/2021 i received 2 calls from the same number above at XXXX and 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 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
We had purchased GAP Debt cancellation with this auto loan. The vehicle under this contract was totaled on XX/XX/XXXX Lendmark was paid by our insurer around XXXX XXXX. Lendmark called me to state they received our insurer 's payment and would begin filing the claim to the GAP insurer. Upon receipt of their XX/XX/XXXX letter requesting payment, I called to find out why we received this letter and the status of the GAP claim. It was at that time, when I was informed the claim wasn't submitted until the end of XXXX ( two weeks later ) and no follow up had been done with the insurer. When they finally followed up ( XXXX ), it was discovered there was missing information to approve the claim. By the end of XXXX, the claim was approved and paid to Lendmark Financial. We were told to wait 15 days ( XX/XX/XXXX ) to receive the necessary documents to show the contract was paid in full along with receiving a check in the amount of approx {$170.00} for the credit balance on our account. XX/XX/XXXX is the date both insurers used for payment which effectively is the date this contract ended. Lendmark continued to report to the credit bureaus knowing of the pending claim and payment. Instead of using the XXXX date, they reported and posted, in XX/XX/XXXX, the GAP payment which put our account 30 days past due. Their delay in, first filing the claim and second, not following up properly, delayed the payment by the insurer. Also, they incorrectly reporting to the bureaus put a negative remark on our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Basically the 3 bureau are not removing all the negative items on my report. Every negative items has been disputed numerous times. The bureaus is not following the fair credit reporting act. Stating if no communication the negative item must be removed off the customers credit report. I've spoken woth all 3 bureaus. I have credit repair since XXXX of 2021 and the bureaus has not communicated nothing with me about any validation or nothing. My right as of now is for all 3 bureaus to have them removed. Also if a collection was sold to another collection company that's by law isn't my debt it supposed to be removed as of ASAP. please advise and have these items removed due to lack of communication on the bureaus actions of not helping or removing all these identity fraud accounts. I've told them for years they are not mine. And due to lack of communication the 3 bureaus has to remove them now. Its been way over 8 months with no communication.. please advise and assist.

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