vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MI

Complaint narrative:
End of XXXX of XXXX I cancelled my service with XXXX XXXX to be shut off on XX/XX/XXXX, as I was moving. They said they would send mailing kit so I could send back receiver, it didn't get to me. XX/XX/XXXX asked again for kit never got it. XX/XX/XXXX I talked to XXXX XXXX XXXX for collection. I was told I needed to give back the reciever or pay {$140.00}. I told them I have been waiting for a mailing kit. I was told I could go to a UPS and they would send it for me. I did that in XXXX, MI the return reference # XXXX. XX/XX/XXXX spoke to rep from XXXX XXXX said they had not received anything. They transferred me back to collections to speak with them because at this point it in collections and they couldn't do anything. After speaking with several reps I was told it takes 2 billing cycles to make adjustments. As of XX/XX/XXXX they had no information. XX/XX/XXXX received letter XXXX. XXXX collections, told me they would register a complaint. XXXX XXXX a collection agency sent letter dated XX/XX/XXXX. I was told to file a written complaint. I wrote a letter, sent copies of bill and all collection notices, sent out XX/XX/XXXX. I received a letter from ERC a debt collector dated XX/XX/XXXX, XXXXtrying to collect. I called them and the rep said it was for services rendered not equipment. This is crazy I have been told for all this time it was for a reciever now this agency is telling me something different. I know this is incorrect. I did not owe anything as I had an auto debit come from my account monthly. I had cancelled service early enough so there would not be anything owed. They said they had no record of any calls that I've made or my dispute. But asked if I wanted to pay {$94.00} and they would clear the account. I said absolutely not. I do not know where else to turn. My name on there accounts is XXXX XXXX reference # XXXX as of the last debt collector. My email address is XXXX my address is XXXX XXXX XXXX, XXXX MI XXXX. My hope is that they will recognize my attempts to resolve this matter. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
I have 3 private loans with my loan servicer. I have registered an account with their website. I used the website to get my most recent statement with a due date of XX/XX/2022. It only shows 2 of the 3 loans. I called the customer service department on Monday Tuesday XX/XX/2022 at approximately XXXX. The representative I had was very helpful. She connected with someone in the IT department. The IT person said " the system should not do that '' and then provided no further guidance. We reached a second IT person, who said they will look into it and contact me within 24 hours. I have not heard from them. This is a time-sensitive and urgent issue to receive a FULL statement for all three loans and their pay-off amounts, which is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: MD

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I traveled with my boys from XXXX to XXXX XXXX for my son 's Soccer Tournament, on XX/XX/XXXX around XXXX XXXX  I realized my phone is not working, I Could not call out or receive any phone calls! Around XXXX XXXX  I took my phone to XXXX to see what the problem is, the person who was working at XXXX suggested replacing the sim-card to solve the issue which it did not, then she offered me a new phone and to pay the difference. Since I did have a new one in XXXX I decided to hold off and come to XXXX to replace the one I had at home, on Monday XX/XX/XXXX I replaced my phone and used the new sim card that she gave me. my phone was working after that. On Tuesday XX/XX/XXXX I checked my coinbase account with the app I had on my phone and I realized that almost the entire account was gone, the account was hacked on XX/XX/XXXX and all my currency were sold at that time. A week prior my coinbase account was worth almost {>= $1,000,000} I had only proximity {$1200.00} in it after. I called coinbase and after waiting almost 2 hours and 30 minutes I was able to get hold of someone and report the issue. I was told someone from Texas accessed my account! I locked my account and delink my bank account from coinbase and reported the incident to law enforcement such as the FBI, DOG, local police department, XXXX, and FTC! I was told by coinbase representative that after investigation, I should get a call from coinbase within seven days! Nothing yet! 
Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my Capital One Secured Credit Card # XXXX XXXX XXXX XXXX on XX/XX/2022. I paid off the balance due on the card and transferred all automatic charges to another card. On XX/XX/2022, I verified the card was closed. I then called customer service to determine how to obtain the refund of {$840.00} deposit I had paid to obtain the secured credit card. I was informed the deposit would automatically be refunded to me after two billing cycles which translated to two months. When I asked why they held the deposit for two months, they responded it was their policy. No other reason was provided. 

Since the account was paid in full and no additional charges can be made to the account, there is no reason for Capital One to retain the deposit for two months. Since the obligation the deposit guaranteed was satisfied and the deposit is in essence and demand bank account, the deposit should be refunded immediately when the account is paid in full and closed. 

Capital One is able to process charges, payments and deposit in a matter of days, so they are capable of processing a deposit refund in the same time frame. Holding the deposit for longer is an unfair and abusive practice that should be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I sent a certified validation of debt letter to Congress collections and they failed to respond within 30 days as requested. Today I received a list of my medical records including procedures that I know is a direct violation of HIPPA regulations. I did not sign a HIPPA form authorizing them to have access to my protected health information. Please delete this information from my credit file and cease all collection activities at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: NC

Complaint narrative:
this message is for equifax and XXXX  and XXXX. i want to let them know that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX are all being reported and the nc department of justice is now involved with those accounts and creditors. i received emails from some of the creditors and letters and i called some of them and most of them stated they will no longer contact me. i will add documentations so these accounts can be removed from my credit file for good. also XXXX XXXX XXXX  showing on my report should deleted. they are being investigated as well. as well as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: TX

Complaint narrative:
The Hard inquires attached to the documents are unauthorized and have been furnished to my consumer reports. I have files a report with the FTC and have a identity thief report generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Hard inquires attached to the documents are unauthorized and have been furnished to my consumer reports. I have files a report with the FTC and have a identity thief report generated.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

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 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diaz & Associates, Inc.
State: LA

Complaint narrative:
Diaz & Associates sent me a fake debt bill. Saying I owed XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: NJ

Complaint narrative:
I have qualified for XXXX XXXX XXXX XXXX since XX/XX/2021. I submitted my XXXX form for it to be rejected for information that was provided in the form. On my XXXX form, it clearly indicates that I am still employed with my qualifying employer but my application got rejected because " Your employer provided an employment end date on your XXXX Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. '' I've tried calling customer service since XX/XX/XXXX to no avail. On the main Fedloan number, I'm on hold for 90+ minutes, only to have the call disconnected. This has happened numerous times. I've called a Fedloan contact by the name of XXXX and left messages. She has not returned my calls. I've messaged Fedloan on XXXX and received no reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: KY

Complaint narrative:
Upon applying for the VA mortgage in the amount of {$350000.00} in XXXX of 2021, I was assured all 3 credit reporting agencies would be polled at one time so only one hard hit would be on my credit record. I released my freeze on all 3 agencies for one day and was called with a mortgage refusal as they did not ( failed ) to poll all the agencies-they only did two. I refused and said that is the reason my credit is frozen-you have zero liability while lowering my credit rating. I was at XXXX with the credit agencies. That turned into a real battle and I would not release my freeze and finally I won. 
At closing it is advisable to have an attorney look at papers and with their pathetic closing-It was for a home in Ky. and we were living in Mi so it was remote and we were getting changes on fax up to 30 minutes before signing so basically we were denied any chance for a lawyer to review the details. 
In the beginning of XXXX I elected to pay the remains of my loan off-I paid over XXXX from XXXX & XXXX XXXX XXXX XXXX and XXXX XXXX XXXX would not be accepted so they forced me to pay wire fees for a payoff in the amount of {$480.00}, I did not agree as I felt it was totally unwarranted when over XXXX $ was paid from XXXX XXXX  XXXX XXXX XXXX via ACH. They refused so I said take my escrow which had {$730.00} remains after paying taxes and home owners insurance and they refused to honor that funding. 
Bottom line I had to pay for a wire fee to pay the remains off. We submitted the payoff wire on XX/XX/XXXX for the full amount and have a paid in full letter from them. 
The problem, they claim to have mailed my escrow rebate on the XXXX of XXXX. It is way late and we have received every XXXX XXXX cards and bills remitted to our residence. I believe they are simply holding my money interest free and ripping me off. Their response was we will not send a replacement check for 30 days. I asked them if I had handled my loan payments in a like manner would it have been acceptable and I was hung up upon. Could you please assist me with this very disreputable organization?? 
Thank You.

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 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RNN Group, Inc
State: VA

Complaint narrative:
In XXXX of 2021 I started receiving calls from RNN Group ( XXXX ) XXXX. I spoke to the company at lest three times and informed them this was not my debt that the SSN did not match mine. In XXXX of 2021 my company received a garnishment for my wages ; approximately {$800.00}. The information on the garnishment was my name but the address and the social security numbers were incorrect. I had my attorney XXXX XXXX make a filing with the courts to get the garnishment released. I have received two calls from them this week where I have advised them this is not me. My compliant is that they are calling my place of employment and speaking to my employees. It is clear this is a debt collector and my employees can tell. This is not my debt please let me know how I should proceed ; it is my fear they are going to garnish my wages again. 

I entered the SSN of the XXXX XXXX that was on the garnishment in the section that asked for the last four so the company can find the account in question. This is not the last four of my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Good morning i had XXXX XXXX and i could not make my payment and thy close my account lowes and paypal

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 2022-01-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My XXXX 's credit card was stolen, compromised and used to make fraudulent charges on XX/XX/21 in the amount of {$1100.00}.

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