vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
My lender is not helping me. They keep on denying my application and advising me that there's no option for me even a repayment option. I want to save my house but my lender is not helping me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" See if you're approved for XXXX XXXX without impact to your credit score. '' Got this from Experian who I thought was my custodian for my credit rating. 

I applied and my FICO score was IMPACTED! 

Contact XXXX XXXX but no reply.

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 2020-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have asked them repeatedly to stop contacting me by phone and to do it through email or usps only and they refuse. They scream at me and say they can contact me however. Call numerous times a day from many different numbers from many different states. It's a different number each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I have btc in a coinbase vault wallet and have been trying for weeks to get the links to authorize the withdrawal of funds to a regular XXXX XXXX  but the links do not work have sent in several emails reached out on several social media platforms with no clear solution or honestly a clear response other than generic emails saying my issue is being looked at when the support case is initiated the latest case number I have is XXXX which I have also sent to coinbase support in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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:
Well I checked my report and figured out inquiries that are not mine. Its a mistake and inquiries that are not mine appeared in my credit report. Also in some bureaus I do not see them and some report inaccurate information. How that possible that some bureaus reporting wrong information? I believe I am a victim of identity theft otherwise I can not understand and I do not recognize these inquiries. Please remove these inquiries because I am not connected to the them absolute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a custodial account and a personal account at discover. When I turned XXXX, Discover froze my custodial account pending my completion of forms to transfer that custodial account to being a personal account owned solely by me. This freeze prevented me from logging in to their online banking portal, also preventing me from accessing my personal account with which there was no issue. I called Discover customer support several times in XX/XX/2020, after which they claimed that they had mistakenly blocked access to my personal account and allowed me access to that account again. Recently, I have had my access to the personal account blocked again. Today ( XX/XX/2020 ) I called Discover again to ask for access to my personal account. I was told that, per Discover policy, I can not be allowed to access my personal account until the custodial account issue is resolved. This is not consistent with what I had been told previously, and regardless seems to me to be Discover preventing my access to an account with which there is no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to all Equifax, XXXX, and XXXX to validate a XXXX XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
Due to covid my husband lost his job, I put my mortgage in forbearance for 6 months. I only missed 2 payments in that time which now I owe XXXX. My lender is quicken loans. After I exited forbearance, the only option that I was given was to modify my loan. They wanted to modify my loan at 5 % interest rate for 30 years raising my payment from XXXX a month to XXXX a month. So being only XXXX behind on payments they want me to pay XXXX more over the course of 30 years. I refused to take the modification, I cant afford for my payments to go up that much and I dont think I should have to pay XXXX for being only XXXX behind. So after I refused the offer they refused to give me any other option, and now stated they will have to report my delinquency to my credit report, and do it every month until I can get caught up. I dont feel this is fair practice, and I know if they are doing this to me, whats happening to the millions out there in my position. Unfortunately if this is what they are doing millions are going to be homeless because just like my situation my husband did find a new job, but isn't making as much as he was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I submitted a letter to Midland MCM on XX/XX/2020 asking them to validate an account that they are reporting on my credit report. I requested the original application with my personal signature on it and have not received it. 

I am a XXXX working with COVID-19 patients everyday and that alone is extremely stressful. Not to mention risking my own life day in and day out going to work taking care of infected patients. To add to my stress, Midland MCM keeps reporting something on my credit that does not belong to me. This is more than I can bear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Well I checked my report and figured out inquiries that are not mine. Its a mistake and inquiries that are not mine appeared in my credit report. Also in some bureaus I do not see them and some report inaccurate information. How that possible that some bureaus reporting wrong information? I believe I am a victim of identity theft otherwise I can not understand and I do not recognize these inquiries. Please remove these inquiries because I am not connected to the them absolute.

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 2020-12-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In response to a complaint about poor customer service, American express responded by closing down multiple accounts that were open for nearly 10 years, with no warning and no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of 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 2020-12-22 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE
State: MO

Complaint narrative:
I closed on the sale of my home on XX/XX/20. The Money Source, our mortgage servicer, claimed to our title company, XXXX XXXX XXXX that they never received the payoff amount despite having the fed reference number of XXXX proving that they did have the entire payoff amount. The Money Source then reported my account as being 30 days past due in XXXX, and it dinged by credit by XXXX points according to XXXX. The Money Source still does not show as having processed the payoff, and every time I call, and I told a supervisor will call me back within 24 hours, and no one ever does. I have to spend 45 minutes waiting and explaining this to someone different every single time that I call, which is over 10 times now since the sale closed in XXXX, only to be transferred to a manager 's voicemail and never heard from again. The Money Source says I owe them the entire principal balance of a house that I sold, paid off the loan for via the title company, and haven't lived in in over a month and there has been literally no consequence for them messing this up other than my credit tanking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I have sent them XXXX letters requesting they provide my proof my signature and the agreement or remove it off of my credit reports. They have failed to respond to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of 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 2020-12-22 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: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to all XXXX, TransUnion, and XXXX  to validate a XXXX XXXXXXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXXXXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.

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 2020-12-22 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: TX

Complaint narrative:
I have been sending letters to all XXXX, XXXX, and Experian to validate a XXXX  XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX  XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.

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 2020-12-22 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: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that Ally Financial reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with Ally was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted Ally to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within Ally, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.

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 2020-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I refinanced my mortgage held by PHH Mortgage. 
After I completed this, on XX/XX/2020 I received an email acknowledging that the loan was paid in full and telling me that the escrow would be refunded to me within XXXX business days. On XX/XX/2020 ( XXXX business days after this message ) I called, and they told me that the mortgage was paid off on XX/XX/2020. They said the refund check was prepared on XX/XX/2020. They said the regulations meant that I would receive it within XXXX business days of XX/XX/2020. I disagree with what they asserted. I believe it should have been returned to me within XXXX business days of XX/XX/2020, or by XX/XX/2020. I have not received it as of that date.

Company response to consumer: Closed with explanation