vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on it. I was very confused as it said they were trying to collect for XXXX XXXX. I have never had an account with XXXX XXXX XXXX or XXXX XXXX so I'm not sure why they are reporting on my credit. I never received any notices, calls, or notifications about this debt and that violates my 30 day right to dispute. Had I received proper notice they would have known that this account is not mine and it must be removed. I suggest they find who this belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Leap Credit, LLC
State: TX

Complaint narrative:
I have had multiple problems with this company and payments over the life of my loan. They will not provide anything in writing and continually tel me two more days, two more days while interest keeps charging. They can never answer my questions right away and never call me back when they say they are going to. They have very bad business practices. Do not work with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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.
State: NY

Complaint narrative:
Hi, First I am scared, frustrated and XXXX XXXX on the issues I am having today with Coinbase.

My account was compromised and {$7500.00} was taken from my bank account and transferred to Coinbase. I tried to get into my account and I couldn't because my old phone number not sure how but it was still on the website. I called up Coinbase and their customer service is non-existent and it is automated messages to say your account was compromised and no real customer service. Their emails are just automated messages to shut you up and " try '' to help.

I had to text my old number embarrassingly for the code. Once I got in, there was no money and everything seemed to be wiped clean. There was no transactions on the account and I couldn't do a thing. 

So, I filed a claim with XXXX and they sent my complaint out. After a few days I got a reversal of {$7500.00}. I thought great my money is back and it's solved. One day later, Coinbase emailed me and said I owed them {$7500.00} I'M AT THE BREAKING POINT, THERE IS NO ONE TO CALL ON COINBASE AND I'M JUST FRUSTRATED. I BEG OF YOU TO PLEASE HELP ME. 

I have all the documentation and I just want to talk to someone at coinbase. I just get endless lies of a " specialist '' coming to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted the company in XX/XX/XXXX as the loan was acquired in XXXX of XXXX for payoff. At that time I was told that were assisting people with the pandemic and would be able to extend the loan for 4 months. That would have been in XXXX. In XX/XX/XXXX, I contacted them again only to find out the there was a remaining {$2600.00} on the loan. Of course during the financial hardship of a pandemic, I was unable to pay off the balance in full and continued to make payments. I made the last and final payment as instructed by a phone representative XX/XX/XXXX. I asked at that time if the {$220.00} in late fees could be waived since I was making the last payment and the account was never paid 30 days late. The representative advised that the late payments could not be waived, however they would not have a due date, they would not accrue interest and would just hold up the title transfer process. Due to the pandemic again, I could not afford to make any payments towards this accounts late fees. Just recently the amount has been sent to collections placed negatively on my credit report, and how someone now gained {$11.00} in unpaid principle. Which is now accruing interest. No one has been able to explain how the unpaid principal has occured, nor how and why this item is reported as a negative item on my credit report, when there was not a due date. My online account has nothing to explain this and the only thing I received was a demand for payment. I never received anything stating this amount was due.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC system XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the amount of {$810.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an alert in XX/XX/XXXX about a fraud acct with Capital One. I contacted the company and disputed the acct. It was not resolved. I had my monitoring service send in a complete fraud packet with POA. They called several times to get this resolved and they refused to speak with anyone but the account hold. We conferenced the company today, XX/XX/21 after four previous conversations. Capital One was able to verify the package had been received, stated the acct showed closed, but refused to clarify when it was closed or if it was closed as fraud. They put us on hold for more than 25 minutes to " investigate '' and never came back. I'm concerned they are trying to sell my fraudulent account, due to their stall tactics, before resolving it as fraud. I want the account closed as fraud and a letter sent to me. 


ACCT ALERT XXXX Available Date XXXX Processed Date XXXX Freeze false Account Activity New Account Alert Type New Account Account Balance XXXX Account Number XXXX Payment Status Current Creditor Name CAPITAL ONE BANK USA NA Creditor Preferred Contact Other Address XXXX XXXX XXXX XXXX City XXXX XXXX XXXX State UT Zip XXXX Industry Type Bank Credit Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, TransUnion, and XXXX  ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/XXXX, TransUnion and XXXX says I have an on time payment.

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 2021-03-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.

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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates accepted payment, in the amount less than owed, in exchange for not reporting negatively on my credit. They told me it could take up to 30 days, but possibly sooner. I asked could it be sooner and was told its possible call us back after it posts. 

Here we are a week after I paid, but I am getting new updates from XXXX that they did not remove the balance but I only updated it. Extending the time they can sue and or report negatively. 

When I called and asked about a department leader to speak to, I was put on hold at XXXX in an attempt to get me to hang up. 

After almost 20 minutes, I got a new operator. Who didnt seem to know what I was talking about at all. 

I only paid to get them to leave me alone. If they arent going to leave me alone. I dont pay a collector to collect. 

How can they take my money, update the money owed, but not remove the debt which l I only paid to remove it. 

Why would I pay to retriever further payment obligations on an expiring debt? 

Exactly. 

The contract was for removal by XX/XX/XXXX. An agent of the company told me that when accepting payment. Now, agents 2 and 3, spoke to today, are stating the earlier they will even contact the credit bureau is XX/XX/XXXX. 

I paid to have it removed by XX/XX/XXXX. If portfolio cant do that, they need to give me my money back or I will just go to the bank, Monday morning, and cancel the payment and never pay them at all. 

Its yall choice. XX/XX/XXXX Im calling XXXX XXXX and never calling, answering, or attempting to pay again. Then, they hung up in my face, while I was writing this, on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt was removed from other reports but Experian. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX {$330.00} Balance updated XX/XX/2021 2021

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 2021-03-04 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: TX

Complaint narrative:
Equifax is allowing XXXX XXXX XXXX to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called XXXX, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is allowing XXXX XXXX XXXX to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called XXXX, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
Few months ago I did a routine check on my credit score, which is normally around XXXX, the day I checked it it was about XXXX, not good. After hours of going though my bills and then downloading XXXX I finally figured out that XXXX XXXX sent an account to collections in my name. I immediately went to the XXXX office and spoke with a representative, she confirmed that I had no past due bills, and didn't owe anything. I called the debt collection agency, IC systems they told me they couldn't find the reason why I owed the money, on a side note they also had my address listed as a house I haven't lived in in over 5 years which would explain why I never received a notice. At that point I just used XXXX to remove the debt from my record which they did, but I am still receiving settlement offers from IC Systems. Also on the XXXX website I can only look at statements from 6 months ago or sooner, how the heck am I supposed to prove I've paid my bills when I can't even access the receipts? Everybody should know that XXXX XXXX absolutely decimated my credit score and they won't even so much as give me an apology, they literally couldn't care any less about their customers. I'd say stay away from XXXX but who else can you get internet service from?

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 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
SINCE XX/XX/2018 I HAVE BEEN DISPUTING THIS BANKRUPTCY SOMEONE USE MY INFORMATION. I HAD NEVER HAD ANY ACCOUNT ASSOCIATED WITH BANKRUPTCY PUBLIC RECORD. I THE BUREAU ASKED THEM FOR METHOD OF VERIFICATION WHICH THEY FAILED TO DO. I FILED SEVERAL COMPLAINTS. XXXX XXXX REMOVED THE REMARK AND BLOCKED AND SENT CORRESPONDENCES TO THE BUREAU RECENTLY XXXX XXXX DISPUTED IT AGAIN AND ASK THEM TO REMOVE IT THIS INFORMATION REPORTING ACCORDING TO THE LETTER I RECIEVED FROM THE COURT ABOUT THIS CORRESPONDANCE IS COMING FROM XXXX A THIRD PARTY VERIFICATION. I HAVE ASKED FOR THE PROCEDURES BECAUSE MY RIGHTS UNDER THE FCRA 611 FCRA 605 B, AND FCRA616 HAVE BEEN VIOLATED. I HAVE ALSO ASKED TO PRODUCE ANY ACCOUNT I MAY HAVE HAD ASSOCIATED WITH BANKRUPTCY THEY HAVE FAILED TO DO THAT

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 2021-03-04 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: Home Loan Center, Inc.
State: TX

Complaint narrative:
On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called Lending Tree and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last four digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.

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 explanation
Consumer complaint received 2021-03-04 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: GA

Complaint narrative:
Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. 

XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Home Improvement ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX . 
XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies XXXX XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Paid this account ( judgement threatened ) off within the specified time frame ( XXXX ) - it should not have been reported. Disputed the account and it was not removed.

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