vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.

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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: TN

Complaint narrative:
I applied for the mortgage with Better Mortgage XXXX, Loan Number XXXX, and received the initial estimate that has lender credits of {$2200.00}. The appraisal came back to be 5 % less than the original estimated price which is very common due to the rising of home prices and the lender wanted to restructure my loan and asked me to choose from the current pricing instead of the rate that I had locked 20 days ago.

I had sent them the Regulation Z and 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting three erroneous accounts in my credit file. I asked for a full investigation for all three collections. I gave Experian 30 days to complete their investigation. I never received anything pertaining to their full investigation. The company simply updated the alleged debt collection items without sending proof that I owe these alleged accounts.

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 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I requested an Insurance Policy Quote from XXXX XXXX XXXXXXXX, a Fay Servicing Company to replace my Insurance Policy. On XX/XX/2021 I approved the Quote and talked with XXXX XXXX the XXXX  Leader. On XX/XX/2021 I receive the Copy of the Insurance Policy from XXXX the Insurance Issuer with XXXX XXXX as the Agent Contact. This Policy will be charged with my Mortgage Premium. On XX/XX/2021 I have to process the Coverage Confirmation because Fay Servicing had not received the Copy of the Policy directly from XXXX  XXXX  ( a Fay Servicing Subsidiary ). On XX/XX/2021 I contacted to XXXX XXXX from XXXX to pay directly to them the Premium of the Insurance Policy. I continued receiving Letters from Fay Servicing telling me that they had bought a new Insurance Policy on my behalf because I didn't have Insurance. On XX/XX/2021 after have talked with several Customer Service Reps I talked with XXXX XXXX, Fay Servicing Customer Care Department VP and after a long conversation I had to re-sent to her the Copy of the Insurance Policy and she personally processed the Coverage Info, which I received a confirmation on XX/XX/2021. XXXX XXXX told me that she had solved the issue and the Insurance Policy bought by Fay Servicing had been canceled and they were not going to charge me the Premiums with my Mortgage Payment. On XX/XX/2021 Fay Servicing withdrew from my Checking Account the Mortgage Payment plus the Insurance Premium. On XX/XX/2021 when I realized of this withdrawal I called to XXXX XXXX to get the reimbursement of the Insurance Premium that they have charged but she didn't answer the phone and I left her 2 voicemail. Then I called to the Customer Service and talked with the Rep XXXX and explained the situation but he was unable to solve the issue. He tried to contact XXXX XXXX but he couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: IL

Complaint narrative:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

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 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
All credit bureaus are reporting that bankruptcy that are not verified and the data furnisher has already admitted to errors in reporting but credit bureaus can not supply me with court certified and verified copies of bankruptcies after their so called investigations.

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 2021-08-25 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: AZ

Complaint narrative:
I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to XXXX  mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: IL

Complaint narrative:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
The FTC reached an agreement with XXXX on financial penalties for violation of a court order. 

I received a letter from PayPall advising me of the agreement and asking me to claim using a PayPal account. I do not have one. I attempted to set one up and ran into multiple problems. Ex. It would not work with a major US bank, a major XXXX bank, and a minor XXXX bank. It wanted me to give PayPal unlimited access to my accounts with the right to withdraw funds. I would never give anyone that right. I deleted the banking information as it would not allow me to set up the links. 

When calling PayPal, I found out that they kept my bank details despite my deletion of the accounts that I tried to link. 

This is a serious fraudulent practice on their part. 

Additionally, they lied numerous times about my options and said I could only access my funds by setting up a PayPal account. 

I also found out that they now charge a fee for inactive accounts. So they are forcing people to get an account and to give access to their bank accounts and then start charging when you dont use their services regularly. 

I am shocked that the US FTC would use a company like PayPal. I spent hours on the phone with PayPal trying to resolve with zero success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, Continues to inaccurately report on my credit. Sometimes three to four times monthly. And my bank reports once a month. My score would go up and down at least a few times a month. Im thinking its XXXX profiling on behalf 9f this company. Been having issues with them for years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: LoanCare, LLC
State: AZ

Complaint narrative:
I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. 

The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to LOANCARE mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. 

I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. 

This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. 

I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. 

As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. 

As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.

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 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to dispute this debt beginning with XXXX for Creditor JPMCB Account Number : XXXX on XX/XX/2021 requesting validation of a debt with the Creditor followed with a second form of communication on XX/XX/2021 along with a Formal complaint dated XX/XX/2021. In addition to the formal complaint I sent a second Formal complaint again on XX/XX/2021. 

On XXXX XXXX I sent third written request and final warning via mail To XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had ordered a shirt and two wallets from XXXX XXXX back in XX/XX/XXXX for the amount of {$1200.00} being charged on my gold American Express card. The signature was required which is great because my parents were home. I got home from work and the box was tampered, it had a slit on the side with tape.. i took pictures before i even opened the box. As i was opening the box i started to take more pictures because i noticed the only thing inside was the wrapping paper and thats all. None of my items that i ordered were there and so i then called to see what was going on and my American Express opened a dispute on this, i just got rebilled for the full amount Im not sure why and i dont understand how either. They spoke to someone in the dispute department and told me that XXXX said on their end that the package was delivered. YES the box was delivered but with nothing inside and it was tampered. How is that my problem? I dont understand how i have to be liable for something i never received. I still have the pictures i took so Im attaching them to this. Thankyou

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 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: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Dispute Amount : {$120.00} Service Provider : XXXX XXXX XXXX This is a follow up to an earlier complaint # XXXX filed against XXXX XXXX XXXX. That complaint was resolved when the company agreed to remove my name from their contact list and that they would contact the relevant credit reporting agencies to remove negative information placed by them. As I have reported previously, I have not had any business relationship with XXXX XXXX XXXX for years and they have not contacted me regarding this matter. As a matter of fact I have sent a letter to the CEO regarding this matter. 

It was my understanding that after I reported the issue that it would be the end of this matter. But that was not to be as I was informed by my credit monitoring agency today that a negative item was placed by a company I have never heard of on my credit report. My investigation of this matter indicates that this is the same item just another corrupt collection agency. This agency is Franklin Collection Service in XXXX, MS . 

I have never been contacted by this company and I have no idea who they are. Tried to call the number I found for them and could not reach anyone. I am irate that this matter will not die and is being reactivated by these unscrupulous collection agencies with no restrictions as to how their actions affect my credit. There has to be a way to put and end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My coinbase account was hacked on XX/XX/2021 around XXXX. The hackers sim swapped my phone number after I had changed my high security passcode with my phone provider XXXX XXXX by XXXX and secured all my devices. It seemed like an inside hacked to me. They were able to bypass my high security passcode and 6digit PIN. The hackers login in from a new IP address XXXX requested to reset a new password, so Coinbase gave the hackers a new password to log into my account on their brand new device without having to wait for 24 hours. Every time I requested to reset my password on my XXXX XXXX I had to wait 24 hours to reset a new password. If coinbase followed their own 24hour password reset protocol as stated in their website to any new devices my account would had been prevented from hackers. I was able to intercepted the hackers and disabled my account on XX/XX/XXXX around XXXX. But it was too late, as soon as the hackers was in my account they transferred all my XXXX to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX After they transferred all my ethereum, they also purchased {$4300.00} worth of Bitcoin from my linked bank account. They converted to ETH and transferred to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( {$4000.00} ) Address : XXXX From the information Ive gathered, coinbase is very much at fault for what happened, because none of the above seemed to raise red flags, or triggered security measures to stop it from happening. 
Coinbase should had froze all my funds that was being transferred to an external address especially after I let them know that my account is compromised and I disabled it around XXXX knowing that was not my wallet. I emailed coinbase support asking them to freeze any transactions or withdrawals that was made around XXXX but did not a get a response back about the issue. I also filed formal complaint with coinbase on XX/XX/XXXX, and received a bot response required more time to investigate. Please help me get back my life saving and hard earned money. Thank you and looking forward to a resolution. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a complaint against Equifax. Complaint # XXXX. Equifaxes response did not address my complaint. There is no way Equifax read the complaint and responded how they responded. I want Equifax to respond to the complaint with an answer that actually address the complaint. They did not address the issues in my complaint instead they responded with a generic answer. I honestly believe Equifax loves to give away money. They have to because the only language they see to understand is a lawsuit. Equifax has been sued numerous times for the same issues that are in my complaint. Actually take the time to read my complaint and respond to the issues in my complaint. I want Equifax to justify why they allow documents, that the SC Attorney Generals office said were faked, to be used to validate the non existing debt that XXXX XXXX made up to scam me out of money. Address this issue. That is what my complaint was about. I did not say anything about errors on my credit report. I said Equifax is allowing documents that the SC Attorney Generals office already said are fake and if they were real do not meet the legal burden of proof need to validate this fake debt between me and XXXX XXXX XXXX. Equifax can address this issue here or address it in court when I file a lawsuit against Equifax. Explain why you ( Equifax ) say that documents that were ruled to be fraudulent by the SC Attorney Generals office verify this fake, made up debt that XXXX XXXX XXXX has submitted to you.

Company response to consumer: Closed with explanation