vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-09 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was evaluating my credit report and I observed at collection that I am not responsible for. Its a medical collection from MEDICAL DATA SYSTEMS for XXXX. I have no knowledge of collection. My information is mostly like been compromised and I am a victim of idenity fraud. I am requesting that collection is removed from my credit report immediately so I can better qualify for new credit. Below is a copy of transaction from XXXX. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX FL XXXX XXXX FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I moved from XXXX to the XXXX. In XXXX, I used Revolut for a very long time. When Revolut opened up in the US, I wanted to have a Revolut  account on my US phone. Revolut asked me to close my account in XXXX and then open one in the US. When I closed my XXXX, I had to forego my premium plan and lost money there. On XXXX XX/XX/2022, I got confirmation from that my XXXX account and the related cards were closed. 

When I tired to open the account in the US, the system said that there is another account associated with my email. When I tired with a different email, they told me that I failed verification and that I have an account with my first name, last name and DOB. I tried approaching Revolut customer services ( XXXX XXXX ), unfortunately they have a customer services that only answers generic questions but not customer specific question. They asked me to try from the app but that did not work. Revolut then just closed the case with no resolution on XXXX XXXX. 

I am very unhappy with Revolut  and certainly will not use their product but I want to know why my email is still showing active and how are they using my personal information given I closed my account. I suspect a data privacy and data usage issue here.

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 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
They have been asked not to contact me but, they call me several times a day. The phone number that they keep contacting me from is XXXX. The company 's name is Synchrony Bank. This is from a very old credit card dept. I have kept all the calls on my recent calls for proof of all the calls they have made to me.

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 2022-02-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There were XXXX unauthorized withdrawals of {$1000.00} each that were made from different ATMs using my debit card. My bank account from Chase Bank shows that on XX/XX/2022 a withdrawal of {$1000.00} was made from an ATM machine on XXXX in XXXX and another {$1000.00} was withdrawn on the same day apparently from another ATM also on XXXX. When I notified Chase Bank about these unauthorized transactions I was told by them that their credit/debit cards have built in securities in place that would prevent thefts like this from happening and because of this they told me my claim for recovering the money is denied. Since this theft happened it shows that their security can be breached. Im the only person who possesses the PIN number. I have tried calling my bank up to ask them to at least look at the camera footage at the ATMs, assuming they should have cameras at every ATM locations, to find out who is making these illegal withdrawals and each time I was unable to get a hold of anyone at the Chase Bank XXXX XXXX ( NJ ) I am hoping you can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN MASTERCARD HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.

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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a check from XXXX XXXX which handles my 401K. I went to US Bank located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX XXXX ) on XX/XX/XXXX to cash it in the amount of ( {$3400.00} ) since the check is drawn off of US Bank. The teller ( XXXX XXXX ) who is a Client Relationship Consultant IV ( XXXX XXXX ) took one look at my check advised me they could not cash a check for a non customer over the amount of {$1500.00}. She told me I would need to go to my own bank, but handed me her card so my bank could verify the funds. She never looked up the account information on my check to verify the funds herself. She never looked to make sure the check was in sequence for the company. It's like she automatically assumed the check might be fraudulent and denied me service. Once I left I called another US Bank location to ask them if there was a limit for a non customer cashing a check and they told me no, as long as the money is available in their till they could do it. I called XXXX back and confronted her with this information, she told me each branch has their own policy and the branch managers policy for their location was a {$1500.00} max for a non customer to cash a check. I asked her was there a way I could verify that information, was it on the website or on a sign at the bank. She told me no when she started working at this location the branch manager just told her that's the policy. I advised her I wanted the number for the Office of the President she placed me on hold for 15 minutes and came back on and ask me what location I cashed my check at, I told her I just deposited at my own bank. She then asked what branch I spoke with regarding the limit for a non customer. I told her, she then proceeded to tell them, they should have not provided that information it goes against branch policy, which her manager advised her of. She asked for my name and number so her manager can call me back tomorrow ( XX/XX/XXXX ). XXXX never provided me with the number for the Office of the President like I asked for previously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or just the way I look for her not to cash my check.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I purchased a condo in XXXX XXXX, Florida for approximately $ XXXX and closed on the sale on XX/XX/XXXX. Once XXXX XXXX XXXX  ( my original lender ) sold the loan to Amerihome Mortgage, I almost immediate had repeated problems with Amerihome Mortgage ( listed XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX ). Amerihome held this mortgage from XX/XX/XXXX until pay off on XX/XX/XXXX. 

Amerihome insisted on purchasing additional flood insurance on my behalf, despite having a HOA flood policy in excess of {$1.00} Million and a personal flood policy I purchased separately. I provided documentation of both these policies to Amerihome on several occasions, and despite repeated requests to speak to someone in their insurance department, they insisted that my flood insurance coverage was insufficient. In XX/XX/XXXX, they purchased additional flood insurance " on my behalf '' for an annual premium amount of approximately {$550.00}. They rolled that cost into the loan payoff amount and are now refusing to refund any of that annual premium amount, despite my having owned the condo for barely 4 months ( from XX/XX/XXXX through XX/XX/XXXX ). 

Please help me obtain the refund I am due. In my opinion, Amerihome 's practices are deceptive. They repeatedly refused to connect me with anyone in their insurance department who could give me the reasoning why a {$1.00} million dollar flood policy was insufficient and what the justification was for buying flood coverage in excess of that and the personal flood policy I carried.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Equifax is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I had this amount of XXXX USDT in my Coinbase wallet as of XX/XX/XXXX. 

I am reaching out for help for an injustice caused to me. Many other people have been affected by this company. 

More than $ XXXX ( XXXX USDT ) was drained from my account @ Coinbase on XX/XX/XXXX. I have been following up with Coinbase but to date, nobody has called me from their side and their customer representatives keep saying they are escalating this. 

Before that disastrous event 1. After chancing on links that Coinbase balances were being drained, I tried to move money out of the Coinbase wallet multiple times which I couldnt on XX/XX/XXXX evening. I called up Coinbase and told them I couldnt move my money out. 
2. I then requested Coinbase to freeze my account which they said they could, but then said they would not as they did not see any fraud. 

Imagine my surprise that within XXXX hours after my call I find that my money missing early XX/XX/XXXX. Was this drained from their side? The timing is very suspicious. 

Since then I have not been successful in talking to the right person in Coinbase in resolving the missing XXXX USDT vanished from my Coinbase wallet. In spite of my requests, nobody from Coinbase has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
in XXXX, I received a letter dated XX/XX/XXXX, which stated that Nation Star DBA Mr.Cooper entered into class action settlement agreement with the Consumer Financial Protection Bureau. In XXXX of XXXX i informed them that i didn't receive the redress check promised in the letter. I was informed that the redress check in the amount {$3200.00} dated XX/XX/XXXX was issued to me and if i didn't receive it I had to wait 180 days from the issue date to receive a replacement. at the end of the 6 months i contacted them Nation Star who then informed me that i will have to wait another 60 days. At the end of the sixty days which was XX/XX/XXXX i contacted them again only to be informed by a phone rep that there is no record yet of a check being issued to me and he will send a request to acceleration. I again contacted them today XX/XX/XXXX and was told by representative, XXXX that they are still awaiting an answer from acceleration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Constantly being called, i have asked for an original copy of the bill that was claimed to be mailed to me back in XX/XX/2021 that i have yet to receive. These medical bills are coming from XXXX XXXX hospital in the amount of {$190.00}, {$360.00}, {$540.00}. the hospital is constantly reselling the debt, as well as having incompetent workers not taking down the correct information for my insurance, as well as charging me for procedures i did not use in the hospital. actions taken by the company is slim to none, this debts have appeared on my credit report all the while still harrassing me and calling Paramount recovery sys- {$540.00}, {$360.00} XXXX XXXX  XXXX- {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
XX/XX/XXXX I received a copy of my consumer credit report and have noticed that a company by the name of NCB Management Service is attempting to collect a debt that is not owed in the amount of XXXX and which I have not directly given this company permission to obtain any of my personal information ; this is a direct violation of my rights to privacy. According to the privacy act of XXXX, I, the consumer did not give this company any written consent neither an oral agreement which bonds me to this company in regards to this account. Please provide any contractual agreement that validates this debt accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/2022 I was a victim of fraud. I got a call ( and XXXX appeared on my caller ID ) from what I thought was my utility company, stating a payment was due. 

The scammer convinced me that payments could be made faster through my bank/XXXX. I know that utility payments can be made at bank branches so it did not seem unusual. 

I paid {$300.00} via XXXX and they said it did not go through so I made another payment of {$290.00}. 

I found out I was scammed. 

I filed a claim with my bank, Capital One and included the police report that was filed. They denied my claim first stating I should work it out with the vendor ( no vendor to work out ) and later stating that XXXX is not responsible for scams. 

I reminded my bank that the XXXX service is utilized via my online ( capital one online banking ). I better understand now if that XXXX is a XXXX party vendor but I feel I should more protection from my bank. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
As part of the Public Service Loan Forgiveness Program, I have submitted to my loan servicer multiple payments that meet eligibility that they have not counted. They have denied these multiple times without a reason given. I have gone on to submit an Ombudsmen report via the FederalStudentAid website, however, it is has been over 5 weeks without a response. I have called both FedLoan Servicing and the Ombudsmen 's office multiple times, however, have received no updates or further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Inquiry : XXXX XX/XX/2020.

Company response to consumer: Closed with explanation