vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I ordered what I believe to be XXXX XXXX merchandise from a company called Support-Biden through XXXX which is connected to my American Express XXXX AMEX XXXX Serve card in the amount of {$64.00}. This company fraudulently portrayed itself as XXXX so I thought I was purchasing merchandise that was supporting the XXXX campaign but in actuality this company is located in XXXX and none of the money goes to the XXXX campaign. Upon learning that this was not going towards the support of the XXXX campaign, I filed a dispute with XXXX and sent email to company on XX/XX/XXXX, demanding that they cancel order and refund my money. They referred me back to XXXX. XXXX stated that since I filed a dispute with Amex, they could not investigate. Amex denied thr claim. However, since I never received the merchandise, I filed a second dispute with Amex on XX/XX/XXXX for not receiving merchandise. On XX/XX/XXXX, I received an email from Amex requesting more information, I provided requested information on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Amex, that my dispute had been denied. To date, I have not received the merchandise and when I click on the tracking number XXXX it says XXXX, CA, Delivered, Left with Individual. Only XXXX people live here and thats me and my XXXX old mom who does not answer the door. No package was left with either of us. On XX/XX/XXXX, I sent email to the company advising them that I have not received the merchandise nor a refund. I received an auto response referring me back to XXXX. It should be noted that XXXX has a long history of providing a platform for these fraudulent and trademark-infringing companies to operate and defraud thousands of honest hardworking Americans while XXXX looks the other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX is an individual who is responsible for a XXXX ad for a 2 bed 2 bath condo in XXXX, Florida. I contacted the individual in regards to the condo and he proceeded to inform me of the features of the home and that he was living in Delaware taking care of his mother so he could not show me it in person. He sent me pictures of the place and had me fill out an application for the condo, he informed me I was accepted and I would be signing a lease and needed to place a security deposit of {$800.00} and a first month rent of {$800.00}. I proceeded to sign the lease on XX/XX/21 and send him the money. He informed me that he would be sending me the keys via US mail in order for me to move in to the condo on XX/XX/21. On XX/XX/21 he contacted me saying he could not send the keys because an individual wiling to pay all months up front was interested and the only way he would send me the keys was if I payed him all the money up front with a discount making it only {$600.00} a month. I proceeded to inform him that I really needed the condo because I was a medical student sent to clinical rotations in XXXX and he asked me to send money in order to make it happen. In desperation of needing a place to stay I sent him a bitcoin transaction of {$900.00} through cashapp and {$500.00} deposited in a bitcoin ATM. I attempted further to send him more money but I was limited to how much I could pull and send in 1 day. I told him i would continue the payments if the keys were delivered by the next day and he stated that they would but the following day he reached out and said one of my payments had fallen through and that I needed to send another {$800.00}. I realized he was a scammer and refused to send him any more money until I had the keys and he proceeded to tell me that I would never get the keys unless I payed the full amount. I was unable to move in on the date signed on the lease and am currently homeless as my funds for the semester have been stolen and I have nowhere to stay. The bank refuses to help me with my funds as they say the money was sent and they can not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i inquired how XXXX XXXX was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from XXXX XXXX informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Ive called Jefferson Capital System and other companies listed they been reporting that I have an open account with them. For numerous of years they been reporting this fraudulent account on my credit report Ive contacted them over 20 different times. To see that they are still not taking this off of my report after I have provided them with police reports Idk which way to turn Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been collecting XXXX unemployment from the state of AZ. I received my Bank of America card and deposit the end of XXXX. On XX/XX/2020, I was informed via email, that my account was closed and the money was returned to my employer. I checked my account, and the balance was XXXX. AZ XXXX had closed my account and took the money with no notice. They deemed me fraudulent as I currently reside in CA. My account had {$4600.00} at the time of their withdrawal. Since then, I have set up direct deposit, my account is NOT fraudulent, and I even had an appeal. I have called and/or emailed everyone I can for this. No one can tell me where my money is. It still shows I received it and paid taxes on it on my workbench. I do my know what else to do. Now this shows as income and that I paid taxes, but I did not. It was taken, no explanation, no one knows where it went.

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 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello On theXX/XX/20 I have tried to send 1 ethereum token from my XXXX XXXX telephone app to my Coinbase app. 
The Transaction was successful however I had sent the ethereum cryptocurrency via a BEP20 network and not what Coinbase accept to enter the fund into my Coinbase account. I can not access my funds whatsoever. The transaction is successful however I can not access my own funds. 

The crypto cuirrency can be released by Coinbase but they claim they can not. I have contacted them but there is no way to get my money back. I would like them to at the very least return my funds back to the same source they received the funds from ( my XXXX  account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo incorrectly entered a wrong Social Security digit on my savings account two  years ago and despite having a mortgage loan and other accounts with the correct social security number on file, will not correct their error. Wells Fargo was provided correct social security documentation to correct the error in person and in the branch, but still illegally withholds funds from the account after being contacted several times in person, calls and written correspondence. I was told by Wells Fargo, they dont know who the CFPB is and told several times that they will correct their mistake but never do after several months and spending over 100  hours on calls and personal branch visits. My last contact was inXX/XX/2021 after several minutes holding and being transferred around calling the Wells Fargo premier customer service line. I have wasted over 100 hours trying to correct Wells Fargo mistakes and illegal withholding.

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 2021-01-15 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: IL

Complaint narrative:
Ive contacted equifax on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHS, Inc.
State: VA

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: RGS Financial, Inc.
State: IL

Complaint narrative:
Ive contacted XXXX on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: IL

Complaint narrative:
Ive contacted XXXX  on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$1000.00} - This specific account is certainly displayed as a charged off account, please don't hesitate to analyze the main reason why there's a balance showing you on the report if it is a charge off? The account balance is actually erroneous, please be responsible to turn it to XXXX or delete the item completely. Also render documentation to be sure of all the charges and credits with this assumed account came from me. My request to deliver these documents is a formal information appeal in accordance to my legal rights issued from the fair credit billing act. If you can't present this data per my civil rights request, delete this immediately. 

XXXX XXXX XXXX {$860.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX  XXXX Balance {$710.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This car loan was obtain fraudulently and is reporting to my credit account this does not belong to me these agency need to pay attention who they are lending to Ive contacted them they said they will contact me back but have not done so Ive also disputed this information thru the bank and all three credit bureaus with XXXX  being the only one not to respond this has took a drastic hit on my credit as well as of many more fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

XXXX XXXX : XXXX XXXX XXXX XXXX NC XXXX Accounts : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX NC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX SSN:XXXX DOB : 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 non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance $ XXXX This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance {$6000.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX XXXX XXXX Balance $ XXXX You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXXXXXX Balance $ XXXX Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.

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 2021-01-15 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: GA

Complaint narrative:
XXXX  XXXX  is showing a late pay for 30 days and 60 days, for a vehicle i never had, and this account is not mine, im wanting to purchase some things and its hurting my chances, thanks in advance im requesting that this account be removed immediately. Its not mine, I am a victim of identity theft, I didn't sign for anything, I didn't purchase anything, I need it removed effective immediately, according to the the fair credit reporting act.

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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wanted to bring something to the attention of this bureau regarding the three credit agencies. On a side note, when you speak to someone on the phone is completely useless. They are often rude and uninformed on the rules that govern their industry. Now to the matter at hand, I have provided three images below, one reads credit usage which shows at 6 %. I have been paying down debt in the last few months and my score went up rather nicely. A few weeks ago I began paying a card that I was sending minimum payments. I noticed something curious. Because I paid 60 % of what I owed on the card. Which puts the card at 41 % my credit dropped 25 points. Now, as long as I was sending minimum payments it was not an issue. So am I to understand that despite 97 % of my cards having XXXX balance, the credit bureaus calculate the score per card when it suits them or take into account all your cards when you carry debt. In essence, wanting you to be in debt all the time. Because from what I notice if I had not made a large payment to that one card it would not have triggered a recalculation. I also provided images of the subsequent drop of 58 points because of the credit card balance. Which has been paid off already by the way.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX BALANCE {$12000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CREDITACPT XXXX BALANCE {$12000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.

Company response to consumer: Closed with explanation