vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: NY

Complaint narrative:
I have contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2021-04-21 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: NY

Complaint narrative:
I have contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: IL

Complaint narrative:
After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.

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 2021-04-21 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: IL

Complaint narrative:
After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
My current mortgage servicer, dba. Mr Cooper, did not pay my XX/XX/XXXX property taxes despite having escrow to cover the amount. On XX/XX/XXXX, I contacted my town tax collector and I was informed the taxes were not paid, triggering a {$140.00} penalty. I contacted Mr. Cooper on XX/XX/XXXX to inform them of the tax payment not being made plus the penalty and I spoke to XXXX in the Escrow Department. She informed me she would escalate the issue and pay the delinquent taxes and the penalty. XXXX assured me the penalty would not be paid from my escrow account. On XXXX XXXX I contacted Mr. Cooper again and spoke with XXXX. XXXX informed me that the tax Department has submitted a tax verification request to the county and they would pay the taxes when they received a response. XXXX apparently did not like my characterization of Mr. Cooper 's customer service as poor and she hung up on me. This mortgage was completed in XX/XX/XXXX with XXXX XXXX  XXXX. Despite XXXX XXXX  including the XXXX tax payment in it's escrow calculations, XXXX XXXX  failed to pay the property taxes on time resulting in a tax penalty just under {$100.00}. XXXX XXXX  sold my mortgage to Mr. Cooper without reimbursing me for the payment of the tax penalty for not paying the taxes on time. Mr. Cooper has now missed the second property tax payment and my home insurance is due next month. It would be safe to say I have no confidence in Mr. Cooper fulfilling it's obligation with my escrow payments. Mr. Cooper representatives informed me multiple times they would not ease the escrow requirement despite their failing to properly apply escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NY

Complaint narrative:
I have contacted XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have a collection account appearing on my credit with Midland Credit. To my knowledge I am totally unaware of this debt and was not notified of such. I have been in contact with Midland, who is having a difficult time locating my information such as my name, address, dob & social. However, I am told to pay a debt that cant be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
The company Capio Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX has submitted collections to my XXXX Credit Buero for 3 collection accounts. These are not my accounts. I never received anything digitally or in writing for these accounts. I have never been to XXXX XXXX which shows twice with two different amounts and XXXX XXXX XXXX. I have good credit, also I am floored that this company has my information and can place a collection on someone's account that isn't even theirs. Please investigate this company to the fullest. I will be filing other grievances with their location consumer protection agencies to get this resolve faster as this hinders my ability to finance and leverage my credit report which in turn affects my lively hood and my family well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX have POA over my Sister, XXXX XXXX since XX/XX/XXXX who is currently in a XXXX XXXX. I am trying to get XXXX for her. One of the requirement is copy of her bank statements for the last five years. I have contacted Capital One Bank on three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting this information. 
On XX/XX/XXXX and XX/XX/XXXX I was told it would take 5 business days to mail this information to me. On XXXX was told by an employee ( XXXX ) it would take 15 business days. This information is needed to complete the XXXX application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have been trading on Coinbase for a couple months now and have about 6K in various currencies there. I went to try and sell a couple for profit this morning and have kept getting the same Account Restricted message. It states I can not buy or sell crypto and I have no idea why this would be. They ask you to contact customer support but they do not have live customer support. I have even messaged their system and verified my ID multiple times in the last couple hours to try and get this resolved but it appears to be going nowhere. I also have read others have had similar issues and their accounts being locked for months on end. I understand financial sites tend to lean on the safe side with any supposed issues but at this point with no human or even chat contact to speak with over there, I fear this is now borderline fraudulent and criminal behavior to tie up my money and prohibit me from my own research/profits I'm owed. They will simply not not let me access or sell it when I am more than willing to provide any verification or documentation in order to comply with what they need to verify my information. Yet I still get no answer? Given the amount of money tied up in there, I may even have to seek legal counsel if this is not resolved soon, but I am hoping the XXXX  and others can step in and make this right. In fact I am hopeful if enough people bring this to your attention it will proctor Coinbase ( a real time trading platform ) to get real time customer support to alleviate this confusion and frankly criminal service they are currently providing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OK

Complaint narrative:
I received a direct express card without my knowing my social security check was suppose to be deposited into my account but was deposited on to a direct express card which was sent out to the wrong address so I never knew a direct express card existed until XX/XX/XXXX when my payment was supposed to be in my communications XXXX XXXX XXXX savings account and it wasnt there so I called Social Security and they informed me that my payment had been put on a direct express card and they advised me to call direct express find out why I never received a card and request a card expedited mail so that I can get my money off the card I contacted direct express and direct express informed me that the card had been issued and use that morning XX/XX/XXXX card ending in XXXX but the first card sent to this address ended in XXXXso I informed direct express that I had never received a card I knew nothing of a card and the card had been stolen in the process I found out the card had been sent to an address which is XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX so at this point direct express said that the card had completely been used so at this point it was a fraud so they informed me that it was a a second card expedited to this same address on XXXX. So someone received the card before the XXXX when money was put on the card on XX/XX/XXXX. At XXXX am all money had been spent except for XXXX dollars and the would transfer to a new card and expedited to me but by the card got to me it was negative amount on it and then I was informed by direct express that that the XXXX was money that was pending so they went through.I submitted a dispute and it was rejected and the ticket was closed I have reached out to direct express on why it was rejected and I have been informed that there is no way to contact the despute department and I filled a police report and the XXXX police department have reached out to Direct express about getting the full card number and Direct express will not provide XXXX Police Department with the information that they need to proceed with prosecution because they have leads on this fraud investigation. So Direct express will not refund me my XXXX.which was clearly a mistake on there behalf by sending a card to a wrong address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I had a XXXX, XXXX and a XXXX XXXX in XX/XX/XXXX and ended up with a hospital stay. Coming from XXXX I thought I was adequately insured with Obama Care through Covered California. I was in no XXXX or XXXX state to deal with reality as I was fighting to keep my job as a XXXX and get well at the same time. I tried speaking to the hospital when I realized that the bills coming through were not for my insurance, but me. The hospital did not want to negotiate and handed it to a debt collector, who then handed it to a 2nd one. Both accepted a payment of {$10.00} a month as I hardly can afford anything on my monthly wages. Due to this my debt has now climbed to {$190000.00} and has damaged my credit report dramatically. 
Original Amount XX/XX/XXXX {$120000.00} Todays Amount XX/XX/XXXX {$190000.00} 1st Debt Collector XXXX XXXX Interest Amount XX/XX/XXXX {$10000.00} 2nd Debt Collector XXXX XXXX XXXX Amount {$190000.00} The HIPPA law has been violated. All invoice/ medical details have been shared amongst all without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CO

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-04-21 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: Advantage Credit, Inc.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

ADVANTAGE CREDIT, INC Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
I recently filed a complaint against Jared the Galleria Of Jewelry for still reporting an account to the credit bureaus as Jared themselves when it was charged off in 2019. You responded to my complaint that My Jared account became XXXX XXXX XXXX XXXX and that XXXX sold the debt to the XXXX XXXX XXXX XXXX XXXX. I am now filing a complaint with the XXXX because this company is IMPOSSIBLE to get in touch with. I have been scouring the internet to find out how to get in touch with these people and then I find out this company is not even accredited by the XXXX. I have called twice over the last month and left an EXTREMELY DETAILED message, I have sent an extremely detailed and frustrated email, responded on their home page to the contact us form. Nothing. Not a word. These people have a debt that I am busting my XXXX to pay off thats keeping me from purchasing a home for my family and I cant pay it because its impossible to get in touch with this company. I am enclosing photos of the whopping 2 reviews that I was even able to find on this company because they arent XXXX accredited, and they do not have reviews on their web page. Probably because they dont take phone calls and dont call people back or email them back. This company needs to be SHUT DOWN. The debt was originally Jared the Galleria of Jewelry, then XXXX XXXX XXXX XXXX, now XXXX. Amount was {$6700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft and below is what happened. 
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MRS BPO , LLC.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief