vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amerihome is misreporting my transferred mortgage to XXXX. The mortgage was transferred to XXXX XXXX, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I have noticed that there are negative reporting accounts on my credit report. These accounts are incorrect and are stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP
State: FL

Complaint narrative:
Snow & Sauerteig XXXX ( XXXXXXXX XXXX XXXX ) Someone sent the police to my home who then broke in and when they did not find anything wrong they put me in an ambulence and forced me to sit at XXXX XXXX XXXX for 7 days This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX county notifying me of the court complaint. The judgment was filed XX/XX/2019, however, I was a legal resident of South Carolina at that time and never received any correspondence from either XXXX XXXX nor XXXX County. The address referenced on all correspondence is an address from several months prior that was no longer in use. This company is more than taking advantage of consumer rights!

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 2021-05-04 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: NC

Complaint narrative:
This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid

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 2021-05-04 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: NC

Complaint narrative:
This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$230.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about

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 2021-05-04 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 — Investigation took more than 30 days
Company: CHS, Inc.
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company SCA CRED SVC ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
Jefferson Capital Systems LLC. and Attorney XXXX XXXX took action for wage garnishment execution via the CT Superior Court on the wrong individual- different name, social, and DOB . Pure negligence to ensure correct information for debtor resulting in wrongful wage garnishment actions against the individual - including sending a XXXX to the wrongfully accused individual 's employer and disclosing debtors personal information to persons other than the debtor or debtor employer. Due to such negligence, CT superior court signed and approved wage garnishments for individuals other than debtors, causing emotional distress to wrongfully accused individuals, debtors, and wrongfully accused individual and debtors family/family income. When trying to contact XXXX XXXX XXXX via phone call, they stated no one was available to speak to me despite being within business hours displayed on the website ( XXXX XXXX XXXX XXXX XXXX ) called XXXX XXXX XXXX  Wrongfully accused received information on debtor via phone call and employer due to XXXX XXXXXXXX disclosing debtor 's personal information. 

Called XXXX today to offer a partial payment amount in return they remove the wrongfully garnished individual 's employer from the court and they denied due to their 10 % fee they charge. Due to XXXX ' lack of due diligence before filing and executing a legal court document, my personal credit information has now been disclosed to CT XXXX XXXX, XXXX XXXX without my permission. XXXX is now in extreme emotional distress and embarrassment of her job of over 20 years. It has now been XXXX XXXX with no attempt at resolution from XXXX XXXX 

XXXX XXXX XXXX, XXXX CT license number : XXXX XXXX XXXX, CT XXXX. XXXX House - XXXX XXXX XXXX XXXX XXXX, CT XXXX Docket # XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX P ) XXXX ^ Tried to contact - Claimed closed business hours via gentleman on above phone line who would not share his name or association with said company Phone ( Listed Via CT Judicial ) : XXXX Email : XXXX Website : XXXX XXXX wage garnishment +Falsified court documents which included individual not debtor - Wrong name, social security, DOB, and middle initial +Emotional distress to wrongfully accused individual and debtor. Created emotional, financial distress within the family. 
+Under FCPA creditor disclosed personal information about debtor CT superior court wrongfully signed off on wage execution against a person other than the debtor Attorney has yet to get back to us - XXXX XXXX XXXX XXXX EXT XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Several financial institutions are stalling/deny my application for a home loan pre qualification. 
After receiving notice to contact this institution via Dear XXXX XXXX : This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau XXXX CFPB XXXX for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX Box XXXX XXXX, IA XXXX Via Federal Reserve XXXX USDA WELLS FARGO XXXX BANK

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: UPGRADE, INC.
State: UT

Complaint narrative:
I was approved for a loan with XXXX After getting approved, I waited 2 weeks for the money to be distributed. However, they were not. When I called the company, they assured me it would be resolved after I provided some additional documentation. I waited another week and called back to see what is going on. This time I was told that their tech team was looking over my account and would call me back. I logged in today and their dashboard shows my loan as approved but I still haven't received any information as to why nothing is being distributed. I then contacted customer service via email who keeps telling me that my account does not match anyone with a loan even though I have talked to people on the phone multiple times at XXXX. At this point, I just want someone to call me from XXXX so they can just cancel the loan or tell me why the money is not distributed yet. I have not been able to talk to anyone at this company so far, I have asked them to just call the number listed in the account for the Loan. However, they keep saying they can't call me since there is no account associated with my email. I am not sure what to do at this point so I'm filling out this form. Thanks. My loan number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 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:
XXXX is misreporting my transferred mortgage to Equifax. The mortgage was transferred to XXXX bank, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My Name is XXXX XXXX, a XXXX Investor at XXXX. I have recently suffered a loss in Coinbase.com. 
I have this account since XXXX. In XX/XX/XXXX, my account was unlocked for 1 month and half. After a lot back and forth with XXXX the account was finally unlocked on XXXX XXXX. On XX/XX/XXXX for the first time I went online to sign in, I watched in real time as my portfolio went down and down in value, ,from the time I logged in, to the time I that happened, it was XXXX XXXX And in those XXXX XXXX, there XXXX XXXX  with XXXX separate transactions. The rapid-fire transactions in this case consolidated all of my virtual currencies including bitcoin ( XXXX BTC ), ethereum ( XXXX ), litecoin ( XXXX LTC-USD ) into bitcoin cash ( BCH-USD ) XXXX XXXX XXXX approximately {$27000.00} ), then exported the funds to the external following account to XXXX After reaching out to XXXX they came the devastating news : XXXX said it was unable to reverse the transactions, attributed the loss to a SIM Swap -remote takeover, and advised him to report the matter to law enforcement. Reference Case # XXXX - My Account has compromised and has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
its showing me a balance of XXXX which is not accurate and the balance needs to be removed. I tried to explain to the company but they never take it off my report it was around XX/XX/2019 when the account was here i am showing on the report. experian will not take it off and one of the other one did. I need it removed its showing a written off which is not accurate.

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 2021-05-04 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: OR

Complaint narrative:
For 4 of the last 6 months, beginning in XXXX of 2020, Equifax inexplicably drops my consumer credit score by over XXXX points. One day they enacted a XXXX point drop. This occurs without cause. My balances don't change much, businesses reporting don't change, there are no new reports. I haven't had a bunch if inquiries. My CC balances haven't changed much, up or down maybe {$50.00}. Yet for weeks at a time I have this huge dip. XXXX and XXXX don't do it either. In my state almost everone uses Equifax and they just keep this up. There is no way to get a hold of them with any result on this because it's internal to them and not a dispute of reported information. Online or by phone, no one can explain a cause. Requesting an escalation is simply not within their structure. They are absolutely unwilling to accept responsibility to explain or correct the issue and have no publicly accessible source to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed that there are negative reporting accounts on my credit report. These accounts are incorrect and are stopping me from obtaining credit.

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 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I was the account holder in PrimeLending. I recently refinanced my loan with another lender. A payoff letter was issued by PrimeLending with effective date from XX/XX/XXXX to XX/XX/XXXX and the refinance was closed on XX/XX/XXXX successfully. The title company wired the fund on XX/XX/XXXX, and the funds where confirmed received by Prime Lending at XXXX XXXX. 
On XX/XX/XXXX, 6 days later ; the wired funds where returned to the title company without ANY explanation as to why. I have since learned that Prime Lending paid the invoice for my old home owner insurance on XX/XX/XXXX ( after they received the payoff from the title company ). And now my mortgage was sold to XXXX XXXX XXXX XXXX XXXX by Prime Lending on XX/XX/XXXX. 
I need a response to this complaint as soon as possible my entire refinance process is in jeopardy and I may lose my new rate AND cost significant money already spent on the new loan. Please provide an immediate resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.

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 2021-05-04 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: CA

Complaint narrative:
I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$20000.00}

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 2021-05-05 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:
I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$20000.00}

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I paid my final bill, closed my account and turned in my equipment at a XXXX  and XXXX location

Company response to consumer: Closed with explanation