vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I mailed a certified letters to Trans Union demanding them to verify accounts by providing ME a signed copy of the original contract of the following accounts or remove them immediately. 
1. XXXX XXXX XXXX. 
2. XXXX XXXX XXXX XXXX. 
Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) which have not been provided to me. Under the FCRA, if you can not provide me proof of this information, this must 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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/21 my mortgage payment was automatically processed out of my XXXXXXXX XXXX account to Mr. Cooper for the amount of {$1800.00}. On XX/XX/21 four separate withdrawals were incorrectly taken from my checking account in the same amount, each {$1800.00} for a total of {$7500.00}. These were off schedule withdrawals and should not have been taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd.
State: PA

Complaint narrative:
In response to complaint # XXXX with closed status as of XX/XX/2021. Once again attempts to collect from same named individual XXXX XXXX, upon unsuccessful communication with an agent at Thomas George Associates, I subsequently reached out to XXXX XXXX to glean some insight into this claim. The XXXX XXXX the " insured '' whose listed in this documentation has the middle name of " XXXX '' which is not my middle name. After a conversation with XXXX XXXX who can be reached at XXXX asked for the supporting correspondence along with my identification to investigate how I was selected as the XXXX XXXX as my personal identifiable information is different with this very generic name. I have attached a copy of communication from XXXX XXXX. 

Subsequently I will be reaching out to the Attorney General of Pennsylvania as I have concerns regarding this collection company and the lack of due diligence in its collection practices in determining the correct parties involved and circulation of other 's PII without any regard to consumer privacy acts and laws.

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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Around XX/XX/2020 to XX/XX/2020 My bank of america account was closed No details given nothing now by not having the account is hindering me from funds for anything due to no proof of banking information I recieve deposit from jobs and other sources Investment in my business this account was closed for unknown reason to me I've inquiried several times but no answer or justified reason if any thing was funny I do not know who to even dispute against or defend my self and without at least 6months of Bank history I'm now being denied new bank account anywhere and no funding

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 2021-04-29 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 {$10000.00}, {$1800.00}, {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}, {$2500.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} XXXX -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: LA

Complaint narrative:
Applied for loan through Spotloan totaling XXXX after applying for the loan and receiving the loan. I noticed that the pay back of the loan was more than the loan which is over 460 % interest which equals XXXX which is over XXXX more to pay in full. The amount for each payment is XXXX now it is XXXX for 6 months to pay back a XXXX loan. I placed a stop payment on my bank account that would block them taking money due to that would take a majority of my VA XXXX. I have been receiving emails constantly demanding the first payment starting in XXXX of 2021 and on XX/XX/2021 i contacted them to resolve by paying a lesser amount that would at the end of the six months XXXX to them but they couldn't do that do to interest of 460 % was occuring. I sent a copy of a survey i was ask of them and they responded i could get a better APR but they will not honor that now i am faced with a huge problem that i tried professional and honorably to pay back but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: IN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
two loans from TCF bank were not paid and they showed no consideration for a senior during a pandemic covid 19. 
and trying to take the home and will not accept a reduced pay off or reinstatement

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 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I confirmed with XXXX XXXX that the bank account that netcredit wired to fund to does not actually belong to me, though in my name with wrong personal info. Therefore I never initiated any valid borrowing activity with netcredit. The debt collection from netcredit is not valid. I am victim of credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX placed a couple of medical collection on my account that had been placed by a different collection agency in the past, but had to be removed because they did their research and this was not my debt. I have never done business with XXXX XXXX XXXX and I don't owe XXXX XXXX XXXX XXXX  anything. I wrote a letter asking XXXX XXXX to remove the debt because its not mine. 3 months past by so then I reached out via phone and they were very rude and keep hanging up on me. I don't owe these collections to XXXX XXXX XXXX and I definitely don't owe it to XXXX XXXX. If you have any medical records with my name on it, I will be extremely upset because there is a Hipaa Law that protects us. You should not be holding any of my medical records from anyone. I don't have an outstanding balance with XXXX XXXX XXXX. If XXXX XXXX has proof that this is my debt, then please send it like Ive asked over the phone and in the letter that I mailed out. There is a reason why the previous collection company removed it.

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 2021-04-29 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I notice on my XXXX XXXX account in the previously 3 years there are 4 hard inquiries I did not do on my account I need them to be disputed off my account and investigated as soon as possible Im literally not able to have credit score and it has me stumble across buying things.

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 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
A few days ago XXXX suddenly stopped working on my phone so Coinbase recommended I disable my account and go through a security check to make sure in which I complied to.

At this point, I am unable to log in to my Coinbase account in which I have a lot of funds put into. For a few days, it was like that and I was getting anxious. I submitted a Help form to see if they can resolve the issue but it was just an automated robot answering my needs which were not helpful at all. I posted on XXXX, XXXX, and XXXX to try to get a hold of them but they would keep on ghosting me. 
Today in the afternoon, however, I received an enlightening text that I was able to access my account. 
Brought to my dismay, when I try to log in to the app, it says there is a connection issue and every time I try to quit the app and try again, it would be the same thing. 
Now, I try to access it onto my computer, which directs me to another site where I have to verify myself with a photo ID, which does not seem complicated. 
However, it has been trying to verify my ID for the past 10 hours when it would say it would take a maximum of five minutes. 
I emailed them multiple times again and took my anger to XXXX and still nothing. 
Their customer support does nothing and I have important funds I need access to before the end of the month!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2021 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, there were no persons signatures proving those documents are ( 100.00 % ) verified. Also they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2021 and their response were the exact same documents. At this point their being very negligent and have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
After failing to have a fraudulent account removed from the credit bureaus reported by BBVA USA, I contacted CFPB to file a dispute. Upon filing the orginal dispute with CFPB, immediately I was contacted by BBVA USA Fraud Investigator, XXXX XXXX, in regards to my complaint. XXXX alleged BBVA USA would remove the fraudulent account from the credit bureaus upon receipt of a completed Fraud Affidavit being emailed to her. I followed the steps and completed the document within the 15 day deadline. I submitted the document approximately XX/XX/2021. It took approximately 8 days for XXXX to respond to my email and phone calls confirming receipt, she responded XX/XX/2021. At that time I was told I needed to submit a copy of my driver 's license and a police report if one had been filed. I immediately sent a photocopy of my driver 's license and advised that I had not filed a police report for this particular incident on XX/XX/2021. 
XX/XX/2021 XXXX XXXX submitted a false statement to CFPB alleging that I failed to comply and submit the requested documents to submit a fraud claim. It was also asserted that I was not providing accurate statements in regards to multiple failed attempts to resolve this issue with BBVA USA previous to filing a complaint with CFPB. 
I believe BBVA USA is operating unethically as a business. I believe BBVA USA intentionally failed to respond to my phone calls regarding this matter until CFPB was involved. I believe BBVA USA intentionally failed to acknowledge receipt of my completed Fraud Affidavit and driver 's license submitted by XX/XX/2021 and made false statements on XX/XX/2021 stating that the otems had not been received. Please see attached emails to XXXX  XXXX in Fraud Department. I further believe BBVA USA is attempting to wrongfully collect a debt from me that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
XX/XX/XXXX Purchased Hearing Aids from XXXX XXXX  through Ally Lending for {$7500.00}. XXXX XX/XX/XXXX Notified Ally Lending I was returning the hear aids so the money could be returned to Ally lending, Ally Lending assigned a dispute case # XXXX and a case manager XXXX XXXX. I tried to return the hearing aids in person but XXXX XXXX refused to take them back and refund the money. I sent them back with a certified letter and I sent the hearing aids back by registered mail. I sent all receipts to Ally lending along with the reasons for the return. Alley denied my request. 
My only income social security {$10000.00} a year. 
I have sent a complaint to the attorney genera : file # XXXX XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX third party 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 monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 at around XXXX, XXXX XXXX was on a call with what he now knows is a scammer named XXXX, from XXXX. We were trying to buy XXXX tickets and he claimed to be a season ticket holder. He provided us with proof of his account with the name XXXX from XXXX that proved he was a seasons ticket holder. We can provide the picture that was sent to us during the 20 minute call. We sent a payment to their XXXX account with the name registered as XXXX and the phone number as XXXX. The total we sent was {$700.00} and XXXX claimed not to receive it, in order to have us send another payment. At that point I knew it was a scam. We reported it to XXXX and Chase the very next morning when we discovered that the whole thing was a scam. We placed a claim, with the two mentioned corporations, and neither could place any red flag on this XXXX registered account SCAMMER. The scammer XXXX, is taking money from people as we write this. We have a group of friends that are contacting their same number XXXX XXXX XXXX XXXX on XXXX, PRETENDING to be potential bait for XXXX. Chase and XXXX are not able to do anything about stopping the registered scammer and someone needs to stop them. Please help us stop this scammer that is still out scamming. We sent three XXXX requests for the {$700.00} to be paid back to us. Two were declined and one is still pending, yet we hope to get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
" Deceptive marketing by Capital one '' Capital one send me a pre-approval offer to XXXX card from Capital One. Following the instructions and my unique invitation ID provided in the pre-approval offer, I applied for the XXXX card. But my application was rejected. The reasons mentioned in the rejection letter were incorrect. I called Capital One on XXXX XXXX and reported these issues. But even then, they did not approve my request for the card. I have many credit cards from XXXX and have an excellent credit history. Also, no major changes happened to my credit from the time I got the pre-approval offer and the time I applied for the card. 

I was not planning to apply for the card. I applied based on the pre-approval offer received from Capital One. 
Due to this unnecessary and deceptive Marketing offer, my credit is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Date : XX/XX/2019 Amount : {$1000.00} Action Taken : I have sent 3 disputes.

Company response to consumer: Closed with explanation