vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WI

Complaint narrative:
This company has removed a bill from my credit report before because it was fraud now a year later they put it back but they dont have the right to place this collection on my credit because they dont have all the necessary documentation needed to follow fcra guidelines. I call and complained they attempted to ask me for my full ssn but I only allowed them to have the last 4 digits the guy tried to say thats all he needed to verify the debt but he needs my entire ssn to verify a debt they also have no proof of ID card or social security card or even proof that I have ever stayed at the address where this service or what was obtained they have no proof of residency I have never paid a bill with att show me a proof of purchase or even a bill that was paid by me before you come damaging someones credit they are placing a falsified collections on my report I will seek all necessary legal actions against this third party if this is not removed immediately and the customer service rep hung up in my face because he was wrong and tried to swindle me out of my social security number that is illegal

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 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, ic3 and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I noticed a fraudulent bank account under my name and it shows deposits made from coinbase inc on XXXX which I was not made aware of till XXXX. At that time I did not have a coinbase account. I did open one on XXXX but I do not have full access to it as of yet because of another account possibly open under my name which is fraud. There is no way to file my complaint or gain access to any info with coinbase inc. I am here now to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I tried to send them a letter last XX/XX/2020 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

XXXX XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been disputing 2 accounts with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems 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 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage
State: GA

Complaint narrative:
i started receiving mail that i had no insurance XXXX never had to send the insurance company payments, due to State Home Mortgage being responsible for sending payments to my insurance company.i never could get anyone to answer the phone or return my calls at State Home Mortgage.i called the insurance company ( XXXX XXXX  XXXX XXXX XXXXthey informed me the insurance was canceled due to non payment.payment was due XX/XX/XXXX, but they received the payment from State home Mortgage late on XXXX XXXX i had no insurance on my property, but State Home Mortgage charged me for having insurance at that time.the letters and statements sent from State Home Mortgage states i have no insurance, but they are charging me for having insurance within that time. this would increase my monthly payments {$290.00} and XXXX annually.State Home Mortgage went back in time and charged me for the months that insurance wasnt on the property.this is on my XXXX mortgage interest statement.please view the uploaded documents..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I ( XXXX XXXX XXXX sent a claim to : Chase XXXX XXXX My account ending in XXXX However, I have not received my credit back. For this reason I appeal to your help to resolve this issue. 
I attached the claim and pictures for the incident which causes mental and physical damages to my wife and me. 



On XX/XX/XXXX - The flight of XXXX, was delayed a lot ( 4 hours ), which caused us hypoglycemia and stress of so much waiting for the airplane. The flight was very unsafe and harmful to my wife and me. My wife ( with a broken ankle ) was placed in the window in the second row. Which caused her more pain, inflammation and worse injury. Because with a lot of work she entered and left that seat. Upon landing, the plane did not reach a suitable gate so that my wife could get down safely. We were taken down with a very unsafe staircase. And because of this I suffered from XXXX XXXX XXXX Regarding my wife she was lowered on a makeshift board. In addition to this, one of them ( XXXX XXXX XXXX XXXX DROPED HER and almost fell DOWNSTAIRS from the top of the stairs ( Photo included ). So I suffered from a lot of XXXXXXXX and MY XXXX XXXX RAISED and it caused me XXXX XXXXn MY Eyes ( because of i WAS scare and stress of seeing that they were going to DROP and throw my wife ) so my XXXX XXXX until to this day I have XXXX XXXX XXXX XXXX XXXX. Because of all these anomalies in the airplane and the physical and emotional damage they caused us. We demand the return of the airplane fees and pay us XXXX dollars for the damages that we suffered due to its ineptitude of the airline, in not offering security in its flights. My wife needed more care for XXXX, who gave her XXXX and crutches and put on an aerodynamic boot. And to me XXXX XXXX XXXX } I saw the XXXX and he referred me with the XXXX. For this incident I am gooiont to be XXXX XXXX XXXX THE RETINA THAT WAS INJURED BY THE FEARFULNESS AND STRESSS THAT WE got in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: KY

Complaint narrative:
My account got behind due being laid off from work, did call Discover and they agreed to a payment plan which I agreed to, but they omitted the information that my account will be suspended. I have made my all future payments on time, while every month I called to inquire about the suspension, I was told that account is revised on the 5th of every month since XXXX of last year, in which my account is still suspended. Well since then I have paid my balance owed in full in which they received my money and still they will release my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: STERLING BANCORP
State: NY

Complaint narrative:
XXXX, XXXX, XXXX Dear XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. makes this complaint on the issue of forged checks that were approved for the payments by Sterling National Bank XXXX Bank XXXX on XX/XX/XXXX. 
It should be noted that our Law Office keeps accounts and issues checks from our accounts in Sterling National Bank for 15 years already! Copies of authorized signatures and samples of our checks are on records in the Bank. Bank is fully informed that our checks are always hand written and only two people are authorized to sign checks. Sample of the signatures as was stated are in the banks system. 
However four checks that look absolutely different on its face from those checks that XXXX XXXX XXXX makes payable to its clients were withdrawn from the account # XXXX with the approval of Sterling National Bank on XX/XX/XXXX without any attempts to verify said checks with our office. Specifically, check # XXXX in the amount of {$4600.00} ; check XXXX in the amount of {$4800.00} ; check # XXXX in the amount of XXXX ; check # XXXX in the amount of {$4800.00} were approved by the Bank for payment on XX/XX/XXXX. Total amount of {$19000.00} have been withdrawn from our bank account # XXXX. ( Checks are attached hereto ). It takes one glimpse to realize that these checks are crude forgery as they look completely different from those that our Law Office gives to the clients. 
On XX/XX/XXXX upon receipt of the Bank statements we reported the fraudulent transactions right away to XXXX XXXX, regional manager. On XX/XX/XXXX an Affidavit of Unauthorized Transactions along with the Questionnaire were filled in and submitted to XXXX XXXX, Bank Manager of the branch located at XXXX XXXX XXXX, XXXX, NY XXXX. ( Copy of the XXXX and XXXX is attached hereto XXXX. 
Since XX/XX/XXXX this Office did not hear from the Bank. I spoke with XXXX XXXX, regional branch manager ; XXXX XXXX, local branch XXXX on multiple occasions all to no avail. XXXX XXXX tried to get in touch with the Bank fraud department but nobody could provide him with any viable information or response. Up today Bank did not present to us investigation report following our complaint. Needless to say our office was not credited with {$19000.00}. 
It goes without saying that it was Banks overlook to allow cashing of the checks that are fraudulent on its face. For 15 years that we are doing business with the Bank, it should have known how our checks look like, who and how signs the checks. It is so obvious that if the Bank was diligent and prudent it should have prevented fraudulent checks from cashing. It is my deep belief that XXXX XXXX neglected XXXX XXXX XXXX XXXX XXXX XXXX as a Client by not reimbursing us with the money that was fraudulently withdrawn from our account. 

Sincerely yours, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC
State: CA

Complaint narrative:
XXXX - Received collection letter from MS Services LLC in regards to XXXX XXXX XXXX XXXX - CHECKING OR, Amount Due {$5000.00}, Account # XXXX. 

XXXX - Sent Response notifying XXXX XXXX to CEASE & DESIST collection attempts, Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has been reporting to bureau 's since XXXX??? 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent SECOND letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent THIRD letter notifying XXXX XXXX to Validate debt and not to report to the credit bureau reports since debt is not valid with notice of intent to file a complaint with the FTC. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE FROM XXXX XXXX XXXX - Sent FOURTH letter notifying XXXX XXXX that a complaint has been filed with the FTC and not to report to the credit bureau reports since debt is not valid. XXXX XXXX has NOT removed reporting to credit bureau. 
XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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/XXXX I sent in dispute letter to the XXXX XXXX XXXX XXXX XXXX, Equifax XXXX about inaccurate/unvalidated accounts I found on my credit report. Still 45 days later on XX/XX/XXXX I have yet to receive acknowledgement or a lawful action in my disputes. It has been over 30 days, and according FCRA these accounts should be deleted if not resolved within 30days And these 3 Bureaus ( XXXX XXXX  Equifax XXXX are in violation of following LAW Under 15 U.S Code 1681b Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX XXXX XXXX, Equifax XXXX any written consent to report anything on my consumer report, No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: MI

Complaint narrative:
the fees for the loans from personify and mobile loans are to costly for my fixed disibilty income

Company response to consumer: Untimely response
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of 2021, I checked my credit reports and saw that I had hard inquiries from Capital One and an auto loan from Capital One for the amount of {$10000.00}. On or about XX/XX/2021, I sent letters to the Credit Bureaus informing them that I do not have an auto loan with Capital One, and that there must either be a mistake or someone has committed fraud. All three credit bureaus claimed that they verified the account to be valid. I have also sent dispute letters to Capital One, but I have not received any response showing proof that I applied for an auto loan or that an auto loan exist. I have never applied for an auto loan with Capital One, and I have never received nor signed any documentation for an auto loan from Capital One. I have never received any money from Capital One. There has to be a mistake or someone has committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I sent a debt Validation letter on XX/XX/2021 which I have attached, asking for the provided information requested in the letter. Cavalry has not sent Validation of the debt they only sent a letter with " NO '' information on where this debt came from and amounts owed.I am requesting that you remove this erroneous information from my credit report. This has caused a great deal of stress and they are reporting someone with the last name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with RADIOUS GLOBAL SOLUTIONS, LLC.

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 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
It all started when my wife a XXXX XXXX  contracted XXXX and was quarantine in our home for 3 half weeks and off work for two more until she was XXXX XXXX for 10 days. I had perfect payment history and credit other than medical bills up until then. She had to file for workman 's comp and she wasn't receiving pay checks from her Work because she wasn't working and had no pto they where paying workman 's comp but it took a month half to get her first pay. that was ridiculous as well. When I told first bankcard there reply was that's not there fault she has XXXX and I'd have to pay the two months of late fees and the two minimum payments of 300 so it was 600 plus the two 50 dollar late fees so 700 dollars when we hadn't even made a payment for 50 days to anyone. We barley had money to even eat. So we had to pay the house so we would not freeze and the power was a necessity just the house and power was XXXX month. But I told them I wanted to apply for there covid relief program and when I gave them my bills they said my wife don't make enough to get the help XXXX is that we don't make enough to get help that's ridiculous. My debt to them went from XXXX to almost XXXX they have put close to 4 grand in late fees penilties so on They should be ashamed for targeting people in need of their understanding and they are making money from it. I was sickened by this and I might add that my other two cards through XXXX XXXX they dropped my payment to XXXX dollars a month from XXXX and dropped interest rate from 19 % to 1 % and said take as long as you need just pay the 61 now that's a true caring company. I have ruined credit now can't refinance my house because of this and am harassed up to 10 times a day from the company. It's sad and I hope something can be done because I am sure I'm one of thousands there making money off of in this time of need and pandemic. 
Thanks for your time and help .... 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 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I asked Capital one to reduce the interest rate but they couldn't. So I paid the balance off {$6100.00}. Now they are saying I owe an interest amount of {$58.00} but I asked for a pay off amount to close the account .He didn't tell me that there would be more interest to pay on later or help by asking when I would pay the amount to not accrue more interest money. XXXX who we called and talked to, couldn't or not willing to help us because of contract agreement, even though we wanted to pay it off.

Company response to consumer: Closed with explanation