vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Have continually requested information concerning Nationstar. Mr Cooper regarding ssues with payment processing, unauthorized withdrawals in the amount of XXXX dollars and most importantly agreements to terms of loan as we never intiated, signed, or even aware of how loan ended up in the hands of this XXXX awful mortgage company, as we were initially doing business with XXXX XXXX. When You notify NationStar of their fraudulent behavior they make threats and negatively and fraudulenty report to creditors, causing great consumer harm. It is amazing that this company has been sued by multiple people as of recent and still allowed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Have continually requested information concerning XXXX. XXXX XXXX regarding ssues with payment processing, unauthorized withdrawals in the amount of XXXX dollars and most importantly agreements to terms of loan as we never intiated, signed, or even aware of how loan ended up in the hands of this XXXX awful mortgage company, as we were initially doing business with XXXX XXXX. When You notify XXXX of their fraudulent behavior they make threats and negatively and fraudulenty report to creditors, causing great consumer harm. It is amazing that this company has been sued by multiple people as of recent and still allowed to do business.

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 2021-06-29 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have a freeze on my XXXX consumer profile, which I don't intend to lift. 

Because of the freeze on my XXXX profile, ChexSystems refuses to generate a report for me in response to financial institutions inquiries ( provides the Reason Code XXXX and Qualifile Score XXXX ). A credit/consumer reporting agency ( ChexSystems in this case ) must not refuse generating a report for a consumer solely because there is a freeze on the consumer profile on another separate and different credit/consumer reporting agency. 

I don't intend to lift the freeze on my XXXX profile. Considering this fact, I demand ChexSystems to generate a report for me in response to financial institution inquiries.

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 2021-06-29 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: NV

Complaint narrative:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. 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.

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

XXXX  and XXXX  were unable to VERIFY this account and REMOVED it from my consumer report, so it is impossible that you have verified this account. This account is inaccurate. TRANSUNION is only reporting this account to my consumer report. You have multiple violations.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed 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 2021-06-29 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
- Entered forbearance XX/XX/XXXX as a lot of large projects I was supposed to start were canceled/delayed/severely reduced in cost - Updated the forbearance request throughout the year - M & T Bank ( mortgage servicer ) said I missed 3 payments in XXXX - while in forbearance! 

- I can not refi with a legit bank due to this - M & T is refusing to allow to exit forbearance - have been begging them since XX/XX/XXXX! 

- I got angry - I told them I was leaving the country MULTIPLE times & to make sure we get the paperwork done. They continually delayed the process, moved the goalposts, requested MANY docs/items/notarized statements that their own " borrower financial report '' didn't ask for. 

- Im STILL angry, demanding an update after FOUR MONTHS of attempts to get back on track - These XXXX  pieces of XXXX called the POLICE for a " wellness check '' on ME - after I told them 50 times that I AM NOT IN THE COUNTRY. Wellness checks in XXXX have ended in DEATH. This TERRIFIED the tenant & her XXXX year old son. It was borderline IMPOSSIBLE to find someone during COVID to move in & pay rent. If she leaves - XXXX XXXX. 

- I have had a great XXXX ( all of my delayed projects in XXXX are happening now. Between the money we have saved, new projects and over $ XXXX in equity - we may have close to $ XXXX to put towards the house : XXXX : XXXX - M & T Bank is REFUSING TO ALLOW ME TO EXIT FORBEARANCE for whatever reason & using the XXXXPD as their PERSONAL XXXX to harass my tenant. 

Absolutely inexcusable. They need to face every repercussion imaginable. 

Regarding the late payments - they NEVER sent a bill or contacted me to tell me I was out of forbearance during that time. I can not refi with a legit bank due to these marks on my credit, I have the email where I requested the additional forbearance during that period. 

Without coming out of forbearance - I can not access the equity to pay off a XXXX lien ( cost has increased $ XXXX since I originally requested the payoff quote due to their incompetence ) and have $ XXXX to put towards the principal, exit PMI, go conventional, get the current interest rates. These XXXX are costing me TENS OF XXXX OF DOLLARS and calling the police on ME while they DO IT. 

This is CRIMINAL. 

This bank has 0 place in today 's climate/environment. Sanction this XXXX place until they are GONE.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of violent crime. I am not responsible for this account.

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 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
So i was at the XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX  on XXXX at around XXXX and i attempted to put XXXX  gas on pump number 2 and take out XXXX cash back so using XXXX XXXX i put my phone up to the card reader and my transaction was declined. I then realized i forgot to transfer over my earnings from XXXX XXXX  so i stepped back and immediately transferred my earnings from today which was XXXX ALL OF THIS IS ON CAMERA BTW. So i then step back up to the register and try it again which was successful. So i go about my business until about an hour later whem i log into my online banking because I had received a text about the transaction going thru i then look at my online banking and see that it has. I immediatly go to back to the gas station and show this to the worker and she assured me that it did in fact decline and that i was more then welcome to speak with her manager in the morning she then gave me the hours that she worked. So i then came back the following day and spoke with the manager i then gave her all my info and the time i did the transaction. So she took about XXXX  min to locate the footage and she verified from the tape that it did in fact decline because she could see the Decline Chit print up. She told me that she would gladly verify this all with my bank because no money was ever given to me. Because no money was Ever given to me because the transaction declined. Also the transaction was XXXX not XXXX I wouldnt be able to get cash back without first buying something such as gas. So after verifying all this i then called my bank and the first person with the bank basically implied i was lying. Then i issued a complaint for how i was being treated. Then when someone else called me back they informed me it wasn't their job to call the gas station and if i wanted any money back my best bet was to file a police report. Their wasnt any money stolen as they could easily find out by reaching out to the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I was suddenly barred from accessing my funds by Paypal for reasons they hardly describe. Despite an effort for them to explain the reason they just insisted its a final decision. This is against a background of faithfully using their services for 3 years I am unable to withdraw my money from the site, neither am I able to receive or reverse payments made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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:
I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: CO

Complaint narrative:
on XX/XX/2019 i received a letter from collections RDAC on claims owed to XXXX XXXX in the amount {$3500.00}. There were false accusations made by the other individual on the lease and with 2 months left on the lease they changed the locks without my consent and would not respond to me at all. The other individual then moved out and they send me the billing for the final month, damages and costs that were incurred. There was clearly 2 of us on the lease and after they clearly violated my rights and illegally put the charges just to me and not split my lawyer reached out for correspondence showing that the other individual was legally removed from the lease which they did not, will not and refused to provide to me, my lawyer or credit agencies. I at most should only be responsible for half but after kicking me out without notice, changing locks without consent and leaving me homeless i should owe them XXXX especially after the other person on the lease was leaving there alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX Original creditor : XXXX  XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: IL

Complaint narrative:
I have been waiting since XX/XX/XXXX for a method of verification of this account. I have filed numerous complaints with Cfpb and all the time they tell you all they are working on my issue. This is a violation of the FCRA and I have escalated this to the state attorney office. I have no signed contract of any sort with XXXX XXXX. Equifax was suppose to remove this after 30 days because they have no proof. It had been 4 months. I have attached the original letter I sent to them. The other 2 bureaus deleted it and Equifax has it lingering with no documents or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$13000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
My account in Coinbase https : //www.coinbase.com/accounts is under revision since XX/XX/2021, so I am not able to operate with it. 

I can not buy/sell cryptos and I am not able to get my money back. I have sent several emails and support tickets to Coinbase but they don't offer me any solution and the problem remains. Also, I have tried to resubmit again my ID and Driver 's license to verify my identity again I am currently have the following amount of cryptocurrencies blocked : - XXXX : XXXX XXXX - XXXX  : XXXXXXXX XXXX  - XXXX : XXXX XXXX As of today XXXX of XX/XX/2021, these currencies are worth XXXX Euros.

Company response to consumer: Closed with monetary relief