vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: PA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
I was informed by XXXX XXXX that there was a bill sent to collections on my credit report. This was not my bill, I had never heard of the company that was billing me. It was in the amount of {$550.00} from XXXX XXXX and it was sent to XXXX XXXX on XX/XX/2020, account XXXX. I have never received an actual statement, I just am giving you information provided to me by XXXX XXXX. This is fraud, someone using my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have several checking and savings accounts with Capital One Bank. Most recently, I set up a Performance Savings account, which is supposed to have a 1 % APR yield. After reviewing the account, I am only receiving a 0.40 % APR. After speaking with a representative, they stated that they are not obligated to maintain the initial APR offering. My checking, savings, and performance savings accounts are all receiving less than half of what they are supposed to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, FORD CRED add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Hello, I am a Coinbase account holder with no stake in Coinbase, other than, being an independent user. I buy and sell cryptocurrencies through Coinbase and on XX/XX/2020, I executed 2 trades from my XXXX XXXX. One was for XXXX XLM coins with a value of {$5800.00} on that day and the other was for XXXX XRP coins with a value of {$33000.00} on that day. I sent both of these transactions to my account addresses for each of the coins. Since I had not traded any cryptocurrencies in a while, I sent both transactions without Tag numbers. I later found out, after my transactions did not post to my account that, I needed to have added a Tag number, which is also like an apartment number so that Coinbase would know where to post the transactions. 
I reached out to Coinbase on several occasions about my 2 transactions ; they responded regarding my XLM transaction for and had me send 15 XLM coins to my account with my Tag number to verify that it came from me. I did so ; they confirmed and posted my original XLM transaction from XX/XX/2020 to my account. They gave me 2 case numbers for my issues, case # XXXX was for XLM, and case # XXXX was for my XRP. On the day they resolved my XLM issue, they closed case # XXXX and case # XXXX for my XRP which was not resolved the same way my XLM issue was resolved. 
I opened a new case for my still missing XXXX XRP coins still not posted to my account but, held at Coinbase. The new case number they issued me was case # XXXX on XX/XX/2020. I have also filed a complaint on their website and was issued a case # XXXX. I have reached out to Coinbase on several occasions through their website customer support, XXXX, and XXXX on several occasions starting on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. They have stopped all communications with me and feel that they have not posted my XRP transaction due to recent issues with XRP in the market. To date, my XRP transaction for XXXX XRP was sent to my account address but without the Tag number and has remained with Coinbase. Due to recent market conditions with XXXX, Ive been unable to trade or reduce the market loss by not being able to trade my XRP. 
I have not retained a lawyer or contacted any other agencies as of today on this matter. All I want is to have my XRP transaction posted to my account as they did with my XLM transaction. I feel that Coinbase has had my XRP case # XXXX transaction in their system and is not looking into resolving my issue for some specific reason as Ive come across other people with the same issue on social media. 
I have transaction information from my XXXX XXXX XXXX confirming sending XRP to Coinbase on XX/XX/2020 if you need them. I am available for any questions regarding my XRP issue if needed ; any help would be greatly appreciated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX, 2 USPS money orders for {$1000.00} each were deposited into my account. The account was promptly locked by Chase 's fraud dept. After numerous customer Service calls, I was told to physically go to Chase 's physical branch to verify the money orders, and I completed all requested actions to verify them. Then, a few days later, on XX/XX/XXXX, the 2 Money orders were debited " Debit DDA - Check Charge '' and removed from my account in 2 {$1000.00} transactions. A few days later, {$1000.00} was credited to my account, and on XX/XX/XXXX I withdrew the {$1000.00} balance. As of XX/XX/XXXX, {$1000.00} is still missing from my account and dozens of hours on the phone with Chase Customer service has yielded nothing. As of today, the account was recently blocked again pending closure, with no letters/emails/communication whatsoever updating the status of my missing {$1000.00}. This is the worst banking experience imaginable for a small business owner. It's illegal to take valid, verified funds, and close the account. As of right now, I can't even access this the transaction history as the account is " closed '' and they refuse to re-open it. The only resolution I receive in exchange for hours of my time is " an email is being sent to the back office that handles releasing the funds back to you, you'll hear from us in 4-5 days. '' Due to the appalling customer service quality, this never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: PA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 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: PA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 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: GA

Complaint narrative:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Today, I checked my credit report. It is stil showing the Hard Copy of Capital One Bass Pro ran on my credit from the state of iowa on XX/XX/20. The credit bureaus will not remove this until the company does it. This is not mine, I do not live in Iowa, no one was authorized to run my credit. I want this removed. I have no credit card number as it is not mine! I do not live in Iowa never have. Please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have spoken with numerous people at Chase to try and obtain a cash back credit card. I am clearly being discriminated against. Any source of income I offer to provide they simply say it's not good enough. I have offered screen shots of all my activity in my investment accounts, I have offered to send screen shots of all my bank accounts. I have offered everything I can but they are declining my application until I can provide tax returns that won't be available for months. This is clear discrimination against people that work for themselves. I was also told that I could not record the phone call while they could. It's not fair to hard working Americans when they don't have access to tools to help save money. It's not fair to people that have legitimate income that have to jump through hundreds of hoops to get a basic credit card. They are asking for screen shots of information when this should be done electrically. I have offered them all my account numbers but they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I have a Cash App account and on XX/XX/XXXX, I noticed multiple unauthorized transactions were made from my account to XXXX XXXX ads in the amount of {$1100.00}. I am not a XXXX XXXX subscriber, and I tried to get help from Cash App to resolve this issue, but you can only reach them by email. I have made numerous attempts to resolve this issue, but no one is responding. Unfortunately, there is no way to contact Cash App via telephone to talk to a live contact support person. 
. 
i am upset because I need to pay my bills and I was let with only {$5.00} to my name in my account. 

I just want the funds returned, so that I can transfer the funds to a more safe accoujnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: GA

Complaint narrative:
) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 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:
) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-04 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: Westlake Services, LLC
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I received a call from phone number XXXX on XX/XX/2020 from a woman identifying herself as XXXX from Convergent. She stated that she is a debt collector and this is an attempt to collect a debt. She stated that I owed some amount to XXXX and asked how I would be paying. I responded that I had never heard of her company, Convergent, and that I needed for more information about the debt before proceeding. 

I waited for the initial notice to arrive in the mail over the next couple weeks and I still have not received one. The Fair Debt Collection Practices Act provides that a debt collector must provide this within five days of its initial communication with an alleged debtor and Convergent did not do so.

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 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Hi my name social XXXX XXXX With complain is from m & t bank I have 80 years hold I have loan for a truck This bank I have late fees this bank take reposition my car when my Daugher call This bank sai XXXX Ok I ready for pay she is call back this bank nexday.total XXXX Is more XXXX my daughter XXXX please can you explain what more XXXX XXXX I not can give more informacin I have audio, I need Gelp I one person hold what happened Need explication they bank only renspond you pay all total XXXX or pick you have any pertenency personal on you car

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 2021-01-04 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: WA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello my bank account was wiped clean on the night of XX/XX/2020. I currently have Bank of America. Somebody stole {$1200.00} from my account and left me with {$20.00}. I received a letter within a week of when my case was closed. I called on XX/XX/XXXX and they closed my case within a day. The letter on the date is XX/XX/20. I will attach it below. I had to reopen my claim on XX/XX/XXXX. They told me they filed a hardship which is suppose to speed up the process and I have yet to receive an answer. I have called on multiple occasions and I still don't get a response. Some representative tell me they filed another " hardship '' while I have other representatives are telling me they aren't doing any " hardship '' claims because of the volume of fraud cases they are receiving. I feel like they are playing around with me. Every time I call its always something new and I get the run around. I was told by a Supervisor named XXXX that legally they had 45 days to give me a response. I called after the 45 days I still get no response other than its still pending. I was told by another supervisor that I was suppose to receive a progress report in the mail and I have yet to receive that. That same person was the one who told me they had done something wrong on their part because its been more that 45 days, but when I call back they tell me they have done everything they could on their part. I will also be attaching my last billing statement as it is a EDD 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 monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a USBank reliacard in the mail on XXXX-2020 or XXXX-2020. I did not request this card. After talking to the local USbank, they said it was an unemployment debit card. I did not file for unemployment or ask for this card. I'm worried it has been opened by someone wanting to use my information to collect unemployment benefits. I want this card shut down, but USBank says they can not do that???? Please advise, Thank You 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