vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP
State: CT

Complaint narrative:
I applied for a credit card with Key Bank. They sent my a denial letter that started I had recent late payments, bankruptcy or judgement, multiple new open accounts, short credit history. To my knowledge none of this was correct. I pulled my credit report for all 3 agencies and none of these items were found. I contacted the bank and they told me they were looking at my report and could see these things so I needed to file a dispute with the credit agencies. I explained I pulled and printed my report and none of these items down so there was nothing for me to dispute. I asked for more information they refused to provide it. I asked for a copy of the credit report they were looking at they refused to provide it. The Bank Manager said I needed to come in with my printed copies I said absolutely when can I do that he said he didnt have time for this and hung up on my face. I called back and tried to speak with someone else I was told I would get a call back and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I have been working with Lexington law firm and I was working with them to improve my credit they told me that the items will be removed and they was removed but now I'm get notices for me to pay the same things that was removed so I contact Lexington law and was told XXXX 's a supervisor that it's not not fully removed so I'm confused why emails saying they were removed but they can come back then she said in contract that I was told I told her no I wasn't your suppose to be credit repair and help get those items that I'm disputing off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
My original mortgage company round point mortgage sold my mortgage to freedom mortgage. My original payment was $ XXXX monthly which round point claims increased to almost $ XXXX due to an increase in home insurance and property taxes which isn't true. During the pandemic while in forbearance they charged a bunch of misc fees and now that I'm with freedom mortgage I owe more than my original loan from 3 years ago. Please help or advise.

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 2021-04-28 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: AFNI INC.
State: TX

Complaint narrative:
On XX/XX/2021 the debt collection company AFNI appeared on my credit report trying to collect on a debt originating from ATT that I have no knowledge of. I have signed no contact with AFNI nor do I owe any debt to AFNI. Therefore, I would like this misinformation removed from my credit report immediately as it is defamation of character and being reported illegally in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: SC

Complaint narrative:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report.

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 2021-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one charged off my account at the beginning of XX/XX/2020 and continued to place negative late payment comments on my credit unt mid XXXX. Please remove all negative comments from my credit as you did not report accurately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: MD

Complaint narrative:
I was recently alerted, by XXXX XXXX, to a reporting of a medical debt. The debt was reported by Credit Control Corporation located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

However, the debt is not mine. According to the report, the charges originate from services provided at the XXXX XXXX XXXX XXXX and by XXXX XXXX of XXXX. However, these establishments are located in XXXX  XXXX - somewhere I've never resided or visited and occured during times that I lived elsewhere. Further, I am fortunate to be fully insured. If I have to visit a medical facility, I'm covered. The impact of this likely clerical error to my near perfect credit has been detrimental ( a loss of XXXX points on XXXX  ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have a coinbase wallet. I bought there over the XXXX XXXX XXXX the following small cryptocurrencies for approximately XXXX XXXX XXXX : 1 ) XXXX  2 ) XXXX XXXX ) XXXX XXXX  XXXX  ) XXXX 5  ) XXXX  6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX  9 ) XXXXXXXX  I want to swap this cryptocurrencies back to XXXX XXXX XXXX XXXX. So I made a swap from XXXX into XXXX of a small amount to test if everything works with the swap into XXXX. I made the swap over XXXX XXXX XXXX in my coinbase wallet. XXXX told me that they can see on XXXX  that I actually received XXXX  for the swap. But I can not see the XXXX  on the coinbase wallet. So XXXX told me : This is an issue with Coinbase not allowing users to send XXXX tokens directly to an XXXX  address ( pretty much all other wallets allow this ). To fix it, you'll need to contact Coinbase support, and have them transfer the XXXX  to the actual designated XXXX address in your Coinbase wallet. 
You will also need to give XXXX this link to the transaction ( as proof ) : XXXX XXXX XXXX Since they are in your Coinbase wallet ( but just not viewable ), only Coinbase support can make them available to you.

But the problem is that the Coinbase support never answers. I contacted them very often over their mail. So I will have the same problem when I swap some more of my XXXX XXXX XXXX  in this Small cryptocurrencies into XXXX  that I will not see the XXXX  I actually receive in my wallet. For me it is so much money and I want to have access to it again in the wallet. I think Coinbase should get forced to solve my problem or otherwise let their insurance pay me my money back. Coinbase did not tell me about the problem before I bought the small cryptocurrencies. So they did not give me enough information about their internal problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am continually locked out of my account with Equifax, I did have a paid account, called twice because I could not log in, they keep giving me error screen to call them, I call them, however they will not give me a reason WHY I can not log in and have to call them. so the last call about a month ago I said close my paid account, you refuse to let me access it. I try to log in today and same message, it is always with them, with no explanation. These companies control your quality of life and it seems they can do whatever they want? Not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
I never live in the state of Georgia I never had any charges in the state of Georgia on your report it says that I had lost my license due to substance control code 893 Ive never been in Georgia never live there so whatever you have from that state is very very in accurate and I would like it removed from this report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: GA

Complaint narrative:
I sent this company a paid to delete letter, I spoke with rep in which I recorded his voice conversation and he stated they also recorded my conversation in his conversation he stated I can take advantage of a settlement offer of XXXX the original amount was XXXX. I sent the attach letter in which they agreed to. and it will be deleted his exact words AFNI WILL REQUEST FILE TO BE REMOVED ONCE PAID I have followed all instructions now my credit report per XXXX  is stating settled paid less than half amount I will file a lawsuit against this company for false representation of company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: WA

Complaint narrative:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Ive tried on several occasions to let XXXX XXXX ( {$860.00} ) and Monroe and Main ( {$1300.00} ) know that 2 credit cards were open using my social ( NOT MY NAME ) was not me! Ive tried to dispute the items but they keep saying they are mine. The persons name is similar to mine but its not mine. I feel that I shouldnt have to pay someone elses debt. I made a complaint and sent out letters from the identity theft.com website on XX/XX/2021. They still feel as if these were my accounts. They are NOT! It is their job to do their due diligence before giving credit cards to people because things like this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: KY

Complaint narrative:
On XX/XX/XXXX I attempted to use on of my First National Bank of Omaha credit cards and the purchase was denied. I then checked the website and app and it said there were technical issues and to try again later. I called in and was transferred to department that said my account was currently under review and they would let me know when the review was complete. 

On XX/XX/XXXX I logged in to the website again to redeem my balance of rewards which were XXXX on card ending XXXX and XXXX on card ending XXXX. Again, it said there technical issues and to try again later. I was unable to redeem my rewards at this time because my account was still locked. 

On XX/XX/XXXX I called in to FNBO and asked for an update. I talked with XXXX in the high risk group and he told me that my accounts were still under review and that I would get a call when completed. 

On XX/XX/XXXX I called FNBO again and was able to get transferred over to the rewards group ( XXXX ). They informed me that FNBO closed my cards on XX/XX/XXXX and my rewards balance was forfeited as a result. I explained that I was trying to redeem my rewards prior to closure. They transferred me back to customer service. I asked customer service to please allow me to use my rewards and they told me the same thing. 

Its clear that FNBO used the locking of my account as a way to disallow me to redeem my rewards.

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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
n 2011 or so Google marketed a free version of " XXXX XXXX XXXX XXXX  '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( XXXX  XXXX then XXXX  ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " XXXX XXXX XXXX XXXX '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an XXXX account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google XXXX ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product. Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in. I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative. 

Google told CFPB on XXXX that I have a personal address and it's not a problem, but that is not true. I can not use their Google Pay service ( or any other service like Google XXXX ) because it is " not available for workspace accounts '' so the issue is not as they stated when they erroneously closed the previous complaint and they gave inaccurate information to CFPB to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Yesterday XX/XX/XXXX I received a letter stating that my Victoria Secret card ( account ) was closed. 
My balance on that account is XXXX because I made all my payments on XXXX. Throughout this whole pandemic I manage to make all my payments. 
I called immediately after receiving the letter. The automatic system asked for my four last from my social security number, once I entered it there was an automated message that stated " If you are calling about your account being closed we will not reopen it take care '' and the phone call hang up. 
I called again, and this time I did not enter my social security number, I kept saying customer representative, after a while someone came to the phone, this person was extremely rude and told me that probably I did not use my card for more than 12 months ( last time I used my card was on XX/XX/XXXX before having my baby ). I was trying to tell her my side of the story and she right away cut me off and stated if you want to re-open an account is not happening. I told her that I needed to speak to someone else, she put me on hold for about 30 minutes and then the call re-routed to the beginning of the option menu. When I tried to get a customer representative there was silence and no one on the other side. 
I hung up and called for the 3rd time. I spoke to another representative. I was able to communicate a little better with her but she told me I should send a letter to the bank. 
I am still very discourage about how everything happened, I would understand if I owed them money, but I never missed a payment ( one late payment ) during a pandemic where I lost so many hours from my job, my father got sick with the virus and was in the hospital for six months. I had a baby, and they wanted me to be thinking about buying Victoria Secret items. It just does not make sense to me at all. It has not been a year since I last used my card since that's the statement that they are going for. 
Now my credit is going to be affected because of an unfair decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I had ( 7 ) extra, unauthorized payments deducted from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
American Honda Financial Co reports debt over seven years old on report. 

I have asked them to remove but they have not The account was closed in 2015. It has been seven years and I would like the account removed from my credit report Thank you

Company response to consumer: Closed with explanation