vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please 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 2021-09-15 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've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Financial continues to delay reporting updated balances and payment history to the credit bureaus. I have made repeated requests to fix this issue and nothing happens. I am constantly told it will take 30-45 days to be correct. 

However Ally Financial demands that I pay the account on time however does not honor there contractual obligations to report eh appropriate information to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A person representing or working for XXXX XXXX XXXX came to home looking for me. On XXXX a person pulled up to my home very aggressively and popped/lifted up her trunk and told the people that she was looking for me in a very aggressively matter. Her demeanor was as if she was going to cause bodily harm to me. The female started that she was looking for me and needed to serve me & while standing next to her trunk wanted to know when would be back. I called Portfolio Recovery whom told me that they had no clue what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XX/XX/21 CITIBANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Dear CitiBank : Re : ( # XXXX ) On ( XX/XX/21 ), I ( opened a promotional account {$400.00} bonus for XXXX for 60days ) a ( through an online account ) Unfortunately, ( or service ) has not performed well, inadequate honestly terrible because ( says we can not give you the money due to coronavirus DEPOSIT was 2-3days late ). I am disappointed because I had delays in the mail receiving my account infomation, checkbooks, ie. I have contacted you customer service via chat, the service was not performed correctly, never got a response on YOUR PROMISE. You have it, you promise it, if they're delays due to pandemics I expect a HUGE reliable bank to fix immediate instead of draw out this foolery. I was billed the wrong amount now Im being billed {$24.00} A DAY something was not disclosed clearly or was misrepresented, etc. ) Which in this was fixed and account closed and resolved. 

To resolve the problem, I would appreciate your send me the {$400.00} check you promised. 

I look forward to your reply and a resolution to my problem and will wait until XXXX a ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address or by phone at ( home and/or office numbers with area code ). 

Sincerely, 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 monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase has put my account under review and are holding my funds I have contacted support multiple times you get no response after looking for advice on the Internet I am not the only one coinbase are doing this to thousands of customer they have basically stolen my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 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: NY

Complaint narrative:
I have written several letters to Trans Union about removing the XXXX XXXX XXXX account completely off of my credit report. There are several innacuracies on this account that are illegal reporting. 
-Trans Union reported date closed : XX/XX/XXXX -XXXX reported date closed : XX/XX/XXXX -XXXX has no date reported at all. 
XXXXTrans Union reported last payment XX/XX/XXXX XXXX reported last payment XX/XX/XXXX -XXXX has no date of last payment at all -There is still a balance. There should be no balance on a charged off account. 
-There is also a recent payment of {$0.00} and is still being reported as passed due amount on a charged off account that is closed. 

This information is unverifiable and in the letters I received back from Trans Union states the same thing over and over, that they have verified the information and changed any information that was verified. They have not provided any proof or verifiable information other than a standard letter that they keep mailing out so that they do not miss the 30 day deadline response. I keep getting the same generic letter repeatedly, which to me shows they are not investigating this properly, after several attempts. 
Not to mention they have different dates for " dates closed '' which means they have made up their own dates in re-aging the account itself. It is illegal for them to have mis-information and information that does not match on all 3 credit reporting agencies. If they are not able to verify information accurately then the account needs to be removed completely off of my credit report. 
Enclosed are the letters I wrote with my proof and explanations, a copy of the reports and a copy of the same letters I keep receiving in response to my complaint.

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 2021-09-15 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. Please remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is allowing and then storing, and continually updating my personal information that is in fact inaccurate. 

Attempts to access my report- can not proceed when the mismatch of the data I provide, does not match what is in their systems. 

Please unlock my report for access - and through XXXX XXXX XXXXThis is the 5th and 6th complaint below. 


I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address 3. This has been disputed to Equifax- and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XX/XX/2021. 11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX of XXXX I submitted a complaint to fraud department Bank of America about a company defrauding people under false pretenses of being investment company. Most of the scams our days happen through crypto because of irreversibility and anonymity of its nature. However, the transfer of money to crypto exchange platform of a person who has never done it before did not bring any questions from the Bank side. If I was warned about possibility of scam, if bank employees called me and looked into these transfers, I could have avoided loss of my hard-earned money.

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 2021-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: AL

Complaint narrative:
On XX/XX/2021, I received a phone call from XXXX from your company at my job. First, I have requested several times that you note not to call my job and family members. I was assured that no one would contact my job and family members to discuss my account. In writing, I would like to know why your company continues to violate the Fair Debt Collection Practices Act by calling me at my job after I have requested you stop. Also, I would like to know why you continue to contact my husband about the debt when he filed for bankruptcy. This is a violation of the bankruptcy law. Please let me know in writing why you keep contacting him at XXXX. 

Secondly, I informed the gentleman who called me on XX/XX/2021, that his company sent the letter stating a counteroffer to your letter. He tells me that no letter was received, and the amount that was an offer in your letter ( Please see the highlighted section in your letter for the offer amount ) was less than 10 % of what was owed. I am resending the letter that I sent you certified to know that you received the letter. 

Lastly, I have never dealt with a collection agency that is so unprofessional and continues to break all federal and state laws. I am requesting that you make no more phone calls to me or anyone else about my account. You may contact me in writing once you receive this letter. You may also contact me by email at XXXX. I would like you to send me what you paid XXXX XXXX or whatever company you purchased this debt from the amount you paid for the debt, and I would like to see a copy of your license from the State of Alabama. I am filing a complaint with the Federal Trade Commission and XXXX XXXX XXXX. Once again, please remove contact names and phone numbers from your records and cease making any more phone calls. You may contact me by mail or email only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Negotiated a pay for deletion ; paid in full ; yet the company instead affirmed to the credit reporting agencies that the debt is valid and should remain on credit report. I called them and they stated they sent request for deletion to agencies two weeks ago. However, I spoke personally with all three agencies and they gave me conflicting information. Please intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX  would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Navient Solutions, LLC.
State: AR

Complaint narrative:
ILLINOIS STUDENT ASSISTANCE COMMISION LOAN NO.XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: AR

Complaint narrative:
ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! EXPERIAN ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.

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 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In mid of XXXX, my daughter XXXX XXXX email received two bank accounts opened on behalf of XXXX XXXX one of them is BB & T : this bank opened two accounts without either phone or email verification. On XX/XX/XXXX, I went to BB & T in person to close the account, and set a security alert in XXXX XXXX XXXX. However, today I received another notice saying that on XX/XX/XXXX, my account was overdraft for XXXX dollars, which was supposed closed already on XX/XX/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 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
Prior to this showing up on my credit report, I did not receive any notification of this debt from Spring Oaks Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
My complaint is about our handling of our mortgage by PHH Mortgage XXXX XXXX  XXXX XXXX  XXXX, NJ XXXX. We closed on our mortgage in XXXX of this year with the first payment due XX/XX/XXXX. That first payment was debited from our bank account on XX/XX/XXXX and was paid to XXXX XXXX. The original mortgage was to XXXX XXXX, and I don't know if between XXXX and XXXX it was sold to this XXXX or not. My next correspondence was to PHH Mortgage who I set up an autopayment to begin on XX/XX/XXXX from our account at XXXX. I saw on my account page on PHH that the payment for XXXX was not showing. I called them in early XXXX and was told that they were investigating and for me not to worry. Obviously they were not investigating very hard because when I did not hear back, I contacted XXXX and they told me they had sent that payment to PHH and provided me with the XXXX tracking number that showed it was received and signed for on XX/XX/XXXX at PHH. I contacted PHH and gave them this information along with a copy of my bank statement from XXXX showing payment. Nothing has gotten done. We have made numerous calls to PHH and no one has ever contacted us. I am sure that they feel we are pests, but after a month and a half something should have been done. In one of my emails that the did reply to, they stated that the auto pay for XX/XX/XXXX would not occur due to the fact that we were in arrears for XXXX. In another 15 days the payment for XXXX will be due. We have provided PHH with everything that they have requested and nothing is being done. We need help

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX would verify the debt. So I took it upon myself to ask XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation