vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 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: PA

Complaint narrative:
I was a victim of identity fraud more than once. I sent in the FTC identity fraud packet I gave them police reports and they froze my account and suppress my account and refuse to give me access to my credit for almost two years now.

They said they need documentation from the Social Security administration I have done that more than once.

I have mailed it a certificate of mail and they still won't unfreeze my credit access me while somebody else is using my credit to commit fraud and criminal acts. However, they said I sent in falsified documentation which is a lie because you can't falsify the FTC fraud packet or numerous police reports. 

I'm ready to take legal action and sue XXXX XXXX ; Equifax ; XXXX  : XXXX and XXXX for furnishing fraud information falsify information identity theft information and block me from correctly or getting access to my own credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX  XXXX {$760.00} company name XXXX XXXX XXXX collection not my debt do not belong me wish it be remove asap

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 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
We purchased a whole kitchen set dishwasher fridge stove and microwave it was all good till they delivered it the sales person text me made sure everything was good on day 1 when the 3rd party that they hired came to install it they installed the microwave and dishwasher incorrectly I text sales person went from How are things going to this is your problem you call them so with bad customer service we purchased a different set pack Conns set up and took it back to them after only a week we left it on the front because of covid we can not go inside he rudely said he would take care of it when he got a chance and since then this company had messed up my credit I worked hard to keep with items they have I want this removed of my credit now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
A fraudulent company called " Voyager '' aka Invest_Voyager tried to steal {$1800.00} out of my account through unauthorized ACH withdrawals last XXXX of 2021. 

US Bank was notified of this and had to stop them from using their multiple front companies from withdrawing funds from my account ending in XXXX. A new account was created after I filed a police report and submitted it to US Bank, and remaining funds were moved to a new safe account. 

The fraud claim TOTAL amount from the MULTIPLE unauthorized ACH transfers initiated by Voyager was {$1800.00} and fully documented. However, it has taken over 6 months now to get this money back.

I have been given {$1500.00} of the {$1800.00} back. US Bank sent a message in writing to me via the CFPB stating that they could not give the remaining balance of {$420.00} back to me that Voyager had stolen because " part of it was done as a debit or credit card transaction '' which is totally false, because Voyager never had access to my debit or credit card from me or any legal means and ONLY had access to my ACH and routing which was corrected. 

So now, I have gone from Voyager trying to steal {$1800.00} from me to US Bank trying to steal the left over {$420.00} by making up excuses of credit or debit card transactions which were impossible to exist, because the fraudulent company Voyager never had access to ANY credit or debit card and ONLY ACH. 

Again, I am requesting that the remaining {$420.00} be returned to my account at US Bank. The previous message from US Bank incorrectly stated that a remit of {$100.00} was an error in my favor, but it was not an error, because the banker saw that it was an ACH transaction like all the rest and SHOULD have been returned. 

So if that will stand, US Bank still owes me {$320.00} which I expect to be returned to my account promptly. 

I have written numerous times, without response, to the direct email address provided by the liaison division for direct contact with the actual fraud department which isolates itself entirely from the public and only interacts to their intermediary via XXXX internally. Enough is enough and I need the rest of my money back. 

I have waited more than enough for a satisfactory resolution to this matter without US Bank manufacturing debit ledgers for ACH only transactions to try and keep my money. Please resolve this. 

Thank you. 

Case # XXXX US Bank

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 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : TRANSUNION : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX Original creditor : XXXX XXXX XXXX {$2400.00} Account number XXXX Collection opened XX/XX/2018 2018

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 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This complaints is directed to a company called AFFIRM Inc. They've been trying to collect from me the amount of {$780.00} plus interest even though the money they've loan got refunded by the airline company aka ( XXXX XXXX ). The situation started when I book myself on XXXX XXXX for XXXX XXXX and apply to AFFIRM Inc. to cover the payments. But upon 10 days before the flight I receive an email from the airline Co. that they are canceling the flight due to the country ( XXXX ) is on lock down because of Covid 19 increase cases in the country for a month. I naturally inform them immediately of the situation by calling them and informing the on their website which lead to email correspondent. Upon informing on what's happening the only answer they told me is that they will get back to me after they confirm about the situation. After that I did not heard from them so I follow up by calling and taking to one of their customer service representative about status of the cancelled transaction which she inform me that there's no answer yet. After XX/XX/XXXX I receive an email telling me that I am past due on my payment so I decided to check with the airline Co. if the funding they covered for the booking got refunded. My answer from the XXXX XXXX is YES they got refunded automatically due to the cancellation. I email them of what the airline co. inform me and told them that I do not owe them any payment cause the service has not been rendered and the payment was refunded to them back. After that they automatically keep billing me and I email the back reminding them of the refund they already receive. After a month later I've been checking my FICO score thru XXXX and that's the time I've discover that my score drop down tremendously to good to bad because of their claim that I am not paying on time even though I did not pay them at all not a single cent. I have file a complaint about the issue thru XXXX they said that they will send the topic to AFFIRM Inc which they did nothing about it and they continued maintain that in my record. I again file complain to XXXX telling them I got records and evidence which I send to them by mail. I call them to do a follow up they acknowledge that they receive my document and inform me that they do not want to anything about it and that is the time they inform me to go to your website CFPB to present my problem to your organization. I am hoping you can help or find me remedy to my problem. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: EQUIFAX, INC.
State: IA

Complaint narrative:
To Whom It May Concern I have discovered a Hard Inquiry on my personal credit report that is fraudulent. I was told by the credit organization Equifax to contact the company directly to dispute the error. I did to no avail, as the company known as XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX denied my claim. I returned the dispute to Equifax and they too are not willing to remove the error. This is clearly fraud. I have no interaction with the this company nor have I ever requested any services from them ever. I have previously been a victim of identity previously. This Hard Inquiry posted as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: MA

Complaint narrative:
I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore 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 explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX, sent certified mail to Capital One on XX/XX/XXXX, for an alleged debt. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g I asked for a debt validation, and I sent a cease and desist pursuant to 15 USC 1692c which has been ignored by capital one. They have resent me the statement for the next billing cycle, and have violated Federal Law by doing so and using interstate instrumentality to communicate with me. They have not sent any validation pursuant to 15 USC 1692g, which is also a violation as I the consumer demanded them to. Due to the neglect and clear fraud pursuant to the violations I would like CFPB to enforce my consumer rights, and rights to my specified remedy in accordance with 15 USC 1692c ( c ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Been a Coinbase customer since XXXX. 
Discovered that my account was frozen on the XXXX of XX/XX/XXXX. Without any notice ( This to me is a breach of their user agreement ). 
Unable to withdraw or make transactions. 
Open sell orders that were priced around below 50 % above the market price were cancelled. The rest were kept intact. 
A textbox in my profile states that the account is flagged for manual review. 
Sent an email to support asking for clarification for the suspension on the same day. 
Sent a second email on the XXXX of XXXX to ask how long it takes to review. 
Created an internal complaint on the same day. 
Sent a reminder email on the XXXX of XXXX. 
No response thus far. 

Many other users are experiencing the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2021, I made an online purchase for {$1900.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. I've attempted to contact the merchant and the merchant will not respond by phone or email. I was expecting it by XX/XX/2021 at the latest. 
The merchant has not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. 
I opened a claim with Wells Fargo and was issued a temporary credit on XX/XX/2021. 
On XX/XX/2021, I received a letter from Wells Fargo stating " based on the information you provided and additional information from the merchant, we found the charges were made by you or someone who had your permission. The {$1900.00} temporarily credited to your account ending in ___ will be reversed in 10 business days from the date of this letter. '' The merchant refused to contact me but responded to the claim with an electronic signature as " proof '' of delivery. I never received the merchandise nor signed for anything and yet this claim has been closed.

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 2021-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Loan is on my credit for a mortgage with PHH mortgage Service for {$450.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2021 I attempted to make a monthly payment on my Chase credit card by phone. The Chase representative informer me the payment went thru and the {$74.00} would be applied to my account that day. I was advised at a later date the routing # of my bank was incorrect and the payment was reversed thus resulting in a late charge. I subsequently paid the {$29.00} late charge and {$1.00} interest charge along with the payment. I would like to have the late charge refunded to my credit card since Chase informed me the payment I had made by phone on was made with no problem. JP Morgan Chase verified the check was # 's were accurate. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: TX

Complaint narrative:
On XX/XX/XXXX of XXXX, I mailed in a certified letter through the US Postal service challenging a collection that was placed on my credit file XX/XX/XXXX by XXXX collection in the amount of {$17000.00} due to an auto repo which occurred around XXXX of XXXX. Upon further investigation and research through XXXX in which I entered the vehicle ID number, I found that the XXXX XXXX XXXX  which was already in a great running condition at the time held the retail value of {$14.00}, XXXX was resold by the original lender at an auction in the XXXX XXXX area. and they failed to send me a notice of deficiency. According to the law, misrepresenting the amount of the debt or its judicial status are violations of the FCRA. The sale price must be applied to the balance of the loan. 
In my dispute letter, I clearly expressed how important a reasonable human investigation was in this matter and requested a full disclosure and every piece of information gathered during their previous investigation. The FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states, a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the reporting agency. My rights were blatantly violated by this credit reporting agency in this process, Their incompetence destroy lives and they should not be in the people business. I have received nothing but a generic computerized response letter from them stating that the account had been verified with no further proof of reasonable human investigation. completely violating my right to receive proper information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: EQUIFAX, INC.
State: IA

Complaint narrative:
To Whom It May Concern I have been deluged with Hard Inquiries from a company known as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This inquiry posted XX/XX/2021 representing a company known as : XXXX XXXX I have tried to contact this organization on numerous occasions, to notify them of the fraudulent error, to no avail. I am a victim of identity theft and I have never had any dealings with this company. I have contacted Equifax regarding this but I can not make progress here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: FL

Complaint narrative:
I have a debt with XXXX which was settled with them In XXXX of XXXX. In XXXX, XXXX and XXXX of XXXX, Ive attempted to get them to correct their reporting and each time they correct a small part of it, only to have it reappear on my report weeks later. This is an egregious disservice to consumers and shows Equifax has no desire to ensure the proper reporting of financial data, which can ruin peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX made a XXXX purchase ( CA ), with affirm and returned items a couple days later. XXXX continued to charge. I didnt pay. XXXX issued me a {$.00} refund. The total was {$2500.00}. I have disputed, failed. They say the info is accurate. A few months later, they sell the debt to XXXX. They marked my credit as a charge off. I called because that has precluded me from buying a home. I called affirm yesterday, spoke with XXXX in XXXX XXXX ( what I was told ). I asked for a manager, I was told I have to call back and ask for one, then she said shes the manager, then she said no one is here. I never received ANY letter stating they are charging it off ( XX/XX/XXXX ). XXXX told me that its my responsibility to police XXXX. How? I made the returns, the erroneously issued the credit for {$.00} instead of {$2500.00}. XXXX said I returned {$.00} worth of stuff. Thats wrong. So XXXX  said that affirm says its valid. Now I can not buy a home. My credit is pristine. I will not pay for something I returned. {$2500.00} is a lot of money. This is nuts. I was denied access to affirm leadership, I asked that XXXX please send an email stating the account is not in their possession, denied again. I need this CHARGE OFF removed please. She is aware I have XXXX XXXX children and we do not collect ANY government help. I need to buy a home! I found it and now I can not finance it because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: IA

Complaint narrative:
On XX/XX/2021 My wife was doubled charged {$76.00}. 
The Merchant ran our credit card, but said the credit card machine wasnt working correctly so we paid the amount in cash. The merchant is in another country, so we are unable to get a hold of them.

We noticed a few days later that we were indeed charged on our credit card also. So In other words we were double billed.

We Disputed the charge with our capital one credit card and they are refusing to resolve this issues.

The merchant is fighting the charge and capital one is taking there side and unwilling to get our money back. I feel like we were ripped off.

Company response to consumer: Closed with explanation