vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: GA

Complaint narrative:
I HAVE REACHED OUT TO THESE CREDITORS MULTIPLE TIMES TO RESOLVE THE REPORTING ISSUES. THEY HAVE FAILED TO REMOVE ALL THE NEGATIVE INFORMATION FROM ALL OF MY REPORTS. WHICH I THOUGHT WAS A FCRA VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
A public record of a bankruptcy discharged in XXXX was inaccurately reported across all three credit bureaus. I have disputed the information with all three bureaus for over a year. I finally got confirmation from the federal court that they do not verify bankruptcy information with the credit bureaus. The credit bureaus then told me after finally responding to the disputes that they use XXXX to verify public record information. I froze my XXXX account on XX/XX/XXXX. I then submitted a dispute of the bankruptcy information on XX/XX/XXXX to all three bureaus. XXXX did remove it from my credit report with them, but XXXX and Equifax have not. Their response says they verified the information with XXXX, but they could not have because my account with them is frozen. 

Equifax has replied in writing how they receive their information about public records from XXXX, but XXXX has failed to send me any response to my disputes in regard to the bankruptcy and how they verified the information. 

As seen in my attachments, the federal court attached to the bankruptcy provided written proof they do not verify bankruptcy information with the credit bureaus. Equifax confirmed they use XXXX to do so, and it is my understanding that is how XXXX receives such information ; but they never responded to my request to prices written proof. Since my XXXX account was frozen by the time I submitted my dispute, XXXX nor XXXX could have verified the information and by law must remove it as XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I HAVE REACHED OUT TO THESE CREDITORS MULTIPLE TIMES TO RESOLVE THE REPORTING ISSUES. THEY HAVE FAILED TO REMOVE ALL THE NEGATIVE INFORMATION FROM ALL OF MY REPORTS. WHICH I THOUGHT WAS A FCRA VIOLATION.

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened at XXXX credit card with Comenity Bank. I made a purchase in XX/XX/XXXX for {$490.00}. I did not get my statements or credit card and I called XXXX on XX/XX/XXXX. The business representative mentioned that a late fee of {$29.00} dlls was added to my balance due to I did not make the first payment on time which should have been on XX/XX/XXXX. He mentioned that as a one time courtesy they will waive the {$29.00} dlls. I said great, and I paid in full my balance of {$490.00}. After that date, I thought everything was resolved, however on XX/XX/XXXX I checked my XXXX XXXX score where I noticed that there was a balance of {$76.00} shown in my report under Comenity/XXXX credit card. I went back to my statements and I found one where the XXXX dlls was not waived and I did not have any credit. As a result, XXXX dlls become {$76.00}. I called them and after 1 hour in the phone, they told me that the waive was not done and another late fee of {$40.00} was added to the {$76.00}, but as a courtesy again they can waive and give a credit if i make the payment of {$76.00}. I made the payment and i will be looking for the next statements to make sure they really waive this time the late fee. Horrible experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I used XXXX  to send money to Coinbase to purchase a cryptocurrency ( XXXX  ) the transaction went thru on XXXX  side and my coinbase account showed the money being transfered and being used to purchase the XXXX. However Coinbase never credited the XXXX to my account. I followed their customer support instructions but rather than crediting my account they keep closing the compaint. I have tried countless times to contact them both their their website and on social media. based on complaints on coinbase XXXX on XXXX  this has happened to numerous people. 
Basically coinbase has stolen money from people. earlier today ( XX/XX/XXXX ) they send me another message closing my support ticket claiming its been reseolved except it hasnt and teh XXXX is still missing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are BANK OF AMERICA this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was taken advantage of do to malpractice while several laws were being broken under the FCRA by this company. This has cost me financial injury, this has cost defamation to my character. I can't get certain jobs, I can't apply for credit, I can't get an SBA loan do to the pandemic under this crisis. They have hurt my ability to obtain credit.

It has been 90 days and they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 61 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX/XXXX XXXX. I have been greatly affected by the pandemic but have still done my best and managed to pay all my bills. I made my car payment on the XX/XX/2021 for {$540.00} and GM didnt take my payment until the next day XX/XX/XXXX making my payment 30 days late.. XX/XX/XXXX the online payment site was down and for most of the day on XX/XX/XXXX as well making me have to make the payment when the system was available which was the evening of XX/XX/XXXX. At this time the system error twice causing two payments to go through to my bank as well causing an overdraft fee for returned item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
A public record of a bankruptcy discharged in XXXX was inaccurately reported across all three credit bureaus. I have disputed the information with all three bureaus for over a year. I finally got confirmation from the federal court that they do not verify bankruptcy information with the credit bureaus. The credit bureaus then told me after finally responding to the disputes that they use XXXX to verify public record information. I froze my XXXX account on XX/XX/XXXX. I then submitted a dispute of the bankruptcy information on XX/XX/XXXX to all three bureaus. XXXX did remove it from my credit report with them, but Experian and XXXX have not. Their response says they verified the information with XXXX, but they could not have because my account with them is frozen. 

XXXX has replied in writing how they receive their information about public records from XXXX, but Experian has failed to send me any response to my disputes in regard to the bankruptcy and how they verified the information. 

As seen in my attachments, the federal court attached to the bankruptcy provided written proof they do not verify bankruptcy information with the credit bureaus. XXXX confirmed they use XXXX to do so, and it is my understanding that is how Experian receives such information ; but they never responded to my request to prices written proof. Since my XXXX account was frozen by the time I submitted my dispute, XXXX nor Experian could have verified the information and by law must remove it as XXXX did.

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 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I sent the amount of {$850.00} to an deactivated account I try to fix the issue trough my bank but the bank already sent the the payment to the venmo app, I email, and call the number and email that the app company shows but they said that they cant do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: PA

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
i recently refinanced, and the mortgage was sold to Amerihome mortgage. My homeowners insurance information was in the mortgage applications, but I received a note after the sale of the mortgage directing me to a very unprofessional website with no identification saying that I needed to enter my insurance information into the website. The letter had no identification that showed it was from the new servicer. After a second notice, I called the servicer that it was valid. I entered the homeowners insurance information into the website. 

I recently got another letter saying that the final notice on the insurance information even though they had it already and if I didn't provide it, they would input their own insurance. I feel this is and attempt to fraudulently switch my insurance to provider under their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC
State: CA

Complaint narrative:
Jhpde Fin I They havent prove the debt was mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am located in Florida. On XX/XX/21 I checked my TD Bank account balance on line and discovered that my account had been drained, someone withdrew a total of {$23000.00}, at a TD Bank location in XXXX. There were three withdrawals directly at the branch, dated XX/XX/21, for {$9000.00}, then {$9300.00}, and {$4700.00}, and XXXX ATM withdrawals for {$100.00}, and {$380.00}, on the same day. My wife and I immediately called TD Bank and we notified the fraud department. I was instructed to go to my branch in XXXX, FL, and file a fraud report. The TD rep at the branch looked at the transactions and informed me that on XX/XX/21 someone impersonating me went to a TD location in XXXX requested to be issued a debit card to my account, TD Bank issued the card to them, and this person or persons subsequently went to the teller and in three separate occasions withdrew large amounts of cash totaling of {$23000.00}. Then they took more money out at the ATM. I own this account together with my wife. We went to the police and filed a report on XX/XX/21. 
At this moment, TD Bank has not given us any answer as to how they allowed this to happen. The money has not been refunded to the account. We have been to the XXXX branch every day, they are telling us that we need to speak with the Fraud department. We have been calling the Fraud department repeatedly and put on hold for 2, 3, 4 hours, day after day, nobody ever picks up. Do they even have a fraud department?? I tried to reach supervisors repeatedly, no one was able to give us any indication as to what happened and how and when we will recover our money.

It is unconceivable that somebody out of state would obtain access to my funds so easily, with no questions asked. No red flags went off. No email or any message was sent to warn me that a debit card was being issued for my account, to verify that I indeed requested it. On the same day, three large cash withdrawals were made, of {$23000.00}, in a different state, in person, at a branch, and nobody at TD questioned the validity of these withdrawals, they just gave the perpetrator ( s ) my money!! How is this possible? I have been banking with TD for 8 years, my banking patterns are well established, how come these unusual transactions were not an alarm signal to TD? Where are the cameras, where are the video recordings showing how a teller at TD gave the entire content of my account to a physical person who was not me, in XXXX, when I live in Florida? This is such gross negligence! To add insult to injury, it is literally impossible to reach the so-called fraud department, they just do not answer the phone, and the supervisors have an terrible attitude. 
I need TD Bank to restore my funds immediately. That is why I keep money in the bank, so it is safe and secured, and protected from being stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 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: AK

Complaint narrative:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX XXXXXXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 equifax data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX  KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: AK

Complaint narrative:
Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXXXXXX XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a credit card with Capital One and it was charged several different transactions that I did not authorize. They are stating I owe them {$1000.00} and I did not make any of the transactions. I placed a fraud claim on this account in XXXX of 2019 and they denied my claim. I tried to dispute it but they refuse to fix this issue. Now it is reporting every month charged off on my XXXX report and it is affecting my credit score. I have mailed letters and have filed an Identity Theft report due to these fraudulent charges and somebody using my credit card, but Capital One refuses to look into the matter and refuses to remove the fraudulent charges and are making me pay for it. I have also disputed this account with the credit bureaus and they are claiming the information being reported is accurate. XXXX is not reporting a high balance as they should, they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: The CMI Group, Inc.
State: NC

Complaint narrative:
Since XX/XX/2021 I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XX/XX/2021. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief