vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: TN

Complaint narrative:
Sezzle , Inc., a group I am unaware of or what they do, opened an account in my name giving someone a small line of credit. Acct XXXX. Apparently, it became delinquent and I saw it on my XXXX credit report. XXXX contacted the company and Sezzle said the debt is mine. I had two other fraud accounts opened in the approximate same time frame, both of which were closed out. 

I want the account closed and removed for fraud. I have thousands of dollars in credit available to me, all of which are paid on time.. I would not open an account for {$200.00} and not pay. I would simply use my debit card. I have never received an email or bill or anything else on this account. 

They do not answer the phone or respond to email. The phone number on the website is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
I was contacted via email that someone was attempting to purchase a large amt of product from XXXX and there was identity theft suspected. A phone number was included so I called it. They said I had reached XXXX XXXX XXXX and that there indeed was identity theft. I would need to do what they directed to closed all the accts that were open in my name and cancel the expenses. 
I was directed to open several apps on my phone and to go to different sites, purchase XXXX XXXX, XXXX, gift cards and XXXX and then the company ( XXXX XXXX ) would cancel the orders and protect my identity further. 
I did as they directed because they sent text msgs stating there were several deposits to my acct to cover the expenses. 
The total is over {$6000.00}. No deposits were made. 
Here is the info I was provided : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX Phone number he contacted me with is : XXXX. 
I have all the info photographed in my phone if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
My card and pin was stolen by a friend, revolut staff claims they investigated but they did not, because if they did they would have looked at the ATM AND MERCHANT VIDEO SURVEILLANCE CAMERAS AND OBSERVE IT WAS NOT ME AND THESE WERE UNAUTHORIZED TRANSACTIONS WHICH WAS THEFT AND FRAUD.AND THE STAFF OF REVOLUT IS XXXX THEY THINK XXXX XXXX XXXX XXXXXXXX THAT I AM RICH THIS IS NOT TRUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} was stolen out of my account and they just won't take any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact Navy FCU - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX  - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NY

Complaint narrative:
After recently returning home from traveling, I got my mail only to find four different CashApp debit cards for accounts I did not open. As a result, I determined someone must have fraudulently opened the accounts through CashApp in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to CashApp, but as of yet have not been able to get a written confirmation from their support teams that all four fraudulent accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XX/XX/2022 American Express To Whom It May Concern, I am a XXXX XXXX XXXX, semi-retired XXXX. I have carried an American Express card for some XXXX years. I have always been loyal to the brand throughout that time and had an exemplary record of payments and interactions. I felt that American Express 'Had my back ' throughout that time. I am currently on vacation in XXXX XXXX for XXXX weeks. I have used my business card several times for expenses, including internet services. Yesterday I received an email notice from Amex that my account had been CANCELED. I have always made payments on time and significantly higher than required. To my knowledge, there were no issues that could have prompted this action. I feel betrayed. I feel that American Express has no regard for my loyalty, and further, has no respect for my age. If this be true, I simply want ANSWERS Today, I spent more than XXXX hours on the phone and on hold only to be disconnected when required 'team ' member picked up. When I called back, I was told that I would have to be re-connected to the 'special team ' for resolution but that their 'system ' was down and it would be another extended wait. I opted to use online chat and asked to be connected to the relevant " team ''. I was told to call back. 
On XX/XX/XXXX of this year, I was notified by American Express, that another fraudulent payment had posted to my account, with XXXX balance for {$50000.00}. I immediately chatted with Amex XXXX, since it was after hours, and was told to call back in the morning, which I did. After spending several hours on the phone with no less than XXXX employees, I was told that the issue would be investigated and resolved by XX/XX/XXXX? Please note that XXXX was the day that the initial investigation was to be concluded. 
I intend to pursue these unexpected and unreasonable action on the part of American Express in any manner possible including social networks, government agencies, and potential legal actions of age discrimination. Your prompt and diligent effort are appreciated. 

Regards, XXXX XXXX XXXX : XXXX  XXXX XXXX CFPB, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I have a biweekly payment of {$220.00} ; whenever I go past a day or two of being late, my references as well as my self are harassed with calls from morning to night, as well as emails up until the day I make my payment. They have disable my car after about 5 days after the due date on a couple different occasions. I was lied to about there not being extra fees on the car and was only supposed to be paying $ XXXX, which ended up being $ XXXX because of extra fees they charge me for not having full coverage. Since when does a car dealership charge you fees for not having full coverage? They already lied to me stating my insurance was through them and that I didnt need any liability or anything, just for me to get pulled over by a cop who then explained that I had GAP insurance, not actual insurance so I ended up having to pay a hefty fine. Considering refinancing, SUPER unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-02-07 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: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CO

Complaint narrative:
I have received many phone calls from the company Halsted Financial Services with the phone XXXX, located in Illinois, XXXX XXXX XXXX XXXX Il, XXXX but with a phone from Colorado XXXX, calling me insistently charging me {$4900.00} from a company that I have no idea who it is, what it is, they only located my name with that debt, which is NOT mine, therefore I ask for your help that I have to solve the problem. How they STOP to asking for collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, Thank you for reading my complaint : I had been contacted by a company name XXXX XXXX and they had offered me to fully Auto managed my shop and my business and I had spent few hours with one of their salesman and he kept promising me that they would be able to do this for me and I had told them that would be kind of impossible since after 30 years in business, it never worked in multiple times to reach this goal at least for me. They offered this service for {$15000.00} and they kept saying that they have ability to do all the work for me and I had to sit back and relax. They asked for {$5000.00} deposit and I paid them with my American Express card and very next day they sent me a link to go and watch 25 VIDEOS to be learned by me so I can know how to do this AUTO MANAGE for my business. This was more than JOKE and I called back and asked for refund ( The contract said that I have 30 days to cancel without any reason on both side ) and I had called less than 3 days. I'd opened dispute with American express and since then American express has made joke out me and keep closing the dispute case with no reason .I keep calling them and all of the dispute personal agree with me and tell me this is so stupid and unfair BUT after 2 hours the case is closed and we have to go on same circle again and again and again. I am not asking American Express for a favor and I have had supplied them with all information and documents they wanted me to but their dispute department do not care and they keep playing with me. I have called their super wiser and thought they would help but she ( XXXX ) kept talking none sense and telling me that, they paid this company and they don't want to make refund so American Express is loosing money!!!!!!!! Please can someone help me out here? Thank you so much again for taking your time and reading my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Procollect Services LLC
State: ND

Complaint narrative:
I received a document on Saturday, XX/XX/XXXX from PROCOLLECT SERVICES. The document states " A review of my account shows that I have not returned any calls or answered any letters, my account is long past due and has been assigned to their office for collection. They want to hear from me within 10 days to find out how I intend to pay the balance owing. It goes on " this is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. It is signed " PROCOLLECT SERVICES '' ( XXXX ) XXXX At the top it say RE : XXXX XXXX & XXXX. Account # XXXX. XXXX. XXXX : {$930.00}. 
Balance due : {$930.00}. 
They spelled my first name wrong. This morning, I called there and talked to " XXXX ''. I had a lot of questions. She said the debt goes back to XX/XX/XXXX and {$230.00} of the amount is late fees. I said I don't know anything about collections but aren't they supposed to send me the bills or call? She said notes show they mailed one in XXXX. I told her there has to be a mistake, we know our XXXX XXXX personally and he would have said something about this.I had a few more questions. Then she said she would call XXXX XXXX, I told her I didn't care what she said but I was going to talk to my husband, XXXX, he will go talk to XXXX, our tax man. 
XXXX talked with an assistant and was told this is a scam and to call and report it. Here is the information on this Collection company : PROCOLLECT SERVICES, XXXX XXXX XXXX XXXX, XXXX, ND XXXX. Phone : XXXX, toll free XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
they billed us for the appraisal before we found out the excessive closing cost. we would have never have paid the appraisal had we found out the amount of closing cost. we were never late with payments and we were just refinancing to get a better rate and save dollars. we are both in our XXXX 's and we feel scammed out of appraisal fee of {$640.00} that we paid. We have been with Wells Fargo since our first payment and never been behind. You would think that they would give us the benefit of the doubt. This is just terrible and we are surprised that a company like them would do 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 explanation
Consumer complaint received 2022-02-07 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: FL

Complaint narrative:
XXXX, XXXX L SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-02-07 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: FL

Complaint narrative:
XXXX, XXXX L SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had an account with kohls charge card for about 7 years. I have always paid on time and never been late and have perfect credit! This company stated I made a late payment in XXXX, I have called this company several times to dispute this as well as XXXX, I have mailed XXXX letters and their customer service explained all my payments were received and even though I pay them in advance they were applied to the wrong statement months.

Company response to consumer: Closed with explanation