vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 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: TX

Complaint narrative:
I would like to get some inquiries removed from my equifax report. I contacted Equifax they told me I would need to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: NY

Complaint narrative:
I didn't authorize, consent to, or benefit from any of the following inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-09-18 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: NY

Complaint narrative:
I didn't authorize, consent to, or benefit from any of the following inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Kikoff Inc.
State: GA

Complaint narrative:
First.. I have excellent payment history on all my bills. All creditors except Kickoff send emails or mail when bills are due. As soon as I get them, I pay them. Kickoff did not send emails or letters to me. Last year I became a Kickoff customer to build my credit. I invested {$12.00} of my own money into Kickoff. Kickoff was paid the {$12.00} immediately. Now, the only thing I had to do was simulate Im paying them each month on time. In the beginning they sent emails for about 3 months. I believed what i read when I joined their platform that I needed not to worry about keeping up with the simulated payments because they will automatically do it for me because they already have their money. I never borrowed any money from them. Since I did not receive any more notices from them, I literally forgot about my account with them. They were not reporting on my credit report until they sent to my credit report I was late for months of non-payment on a loan. This was a surprise to me because, I never borrowed anything from them. So my credit score dropped 40 points. I reached out to Kickoff and requested for copies of emails to be forwarded to me. What they sent was a made up chart that of course did not validate that they sent me an email or letter via mail. I mentioned to them that if I called anyone of my creditors, they can forward me the emails and letters they sent. I received no more response after that. I disputed it with XXXX telling them, I never received a loan from Kickoff to which this would not make them a creditor. I owe them nothing. They refuse to validate proof and remove the derogatory information on my credit report that wasnt true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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:
1. EQUIFAX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
The collection agency, MBA Law ( Mitchell D Bluhm and Associates ) have a notorious history of trying to collect false collections. I first received a notice for a medical collection on my XXXX, that dropped my score 55 points for a supposed collection for {$300.00}. I contacted the agency and ask for proof of the debt I owe and an itemized receipt with medical coding, they were not able to do so. They said they would have to contact the XXXX for this information, and should have it 30 days later. Never received anything. I contacted the hospitals billing department and they have no record of selling anything to this collection agency. They actually gave me a copy of all my visits and amounts owed from all my visits. I then decided to dispute on XXXX and the account was eventually disputed and deleted. Today, this same account showed up on my XXXX for the SAME date and amount. 

According to the XXXX, this company has a notorious history of trying to collect non-existent past due balances from people. This agency is ruining peoples credit history, fraudulently. They never contact you to make you aware of this collection and just shows up on your credit history. Something needs to be done about this fraud agency, and they need to be taken to court as they have violated FDCPA many times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 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: CORELOGIC INC
State: FL

Complaint narrative:
CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

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 2021-09-18 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: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
1. CIC CREDIT has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX decided to move their credit card for XXXX/VISA to Barclays/Mastercard. I got a letter that looked like junk mail but opened it to find how to opt out prior to XX/XX/XXXX which I did. I was aware that my XXXX credit card would be closed as of XX/XX/XXXX. My XXXX account was moved to Barclays on XX/XX/XXXX even though I opted out. I didn't want a Mastercard and did not want to do business with Barclays. Barclays opened an account in my name without my authorization in fact I withdrew my consent for the conversion by following the procedure and opting out. I called XXXX and was told nobody could do anything until Monday, XX/XX/XXXX. I called Barclays and stayed on hold for more than 20 minutes and gave up because the reviews/posts on Barclays Bank US indicate that they do not answer. I feel like Barclays is opening accounts without people 's permission to make it look like they have more customers than they actually do similar to what XXXX was accused of and paid significant fines. I shredded the Barclays credit cards when I received them because I was told just don't activate them if I get them. XXXX and Barclays have violated my privacy.

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 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I reported unauthorized transactions I was told to disable my account transactions Its so and I had scheduled for a new card to be sent to me the following day I woke up with a email saying my account has been suspended or closed and then I needed to submit documentation all of the documentation has been submitted and they said that it would take one business day after documentation to be submitted for the account to be unlocked well its been 24 hours and they still have not unlock my account have not responded to emails Ive called about 50 times an email about 14 times with no response and I need access to my funds and they just dont wan na answer nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This is my second complaint in two years regarding my mortgage servicer 's failure to pay the property taxes on my escrow. I have attached their response to my previous CFPB complaint, dated XX/XX/XXXX, in which New Rez acknowledged that it was obligated to pay the property taxes on my condominium parking spot, and further acknowledged that the taxes " were not paid on time due to an error made by our tax vendor. '' New Rez has yet again failed to pay the XXXX second installment and XXXX first installment property taxes on my parking spot. On XX/XX/XXXX, I e-mailed their escalations department to notify them of the error. On XX/XX/XXXX, they wrote me that " On XX/XX/XXXX, we made payments of {$350.00} and {$290.00} to XXXX County. We also paid the tax penalties of {$48.00} and XXXX to XXXX County at no charge to you. '' On XX/XX/XXXX, I checked the XXXX County Treasurer website and saw that, despite NewRez 's representations, the property taxes still had not been paid. I once again e-mailed NewRez 's escalations department on XX/XX/XXXX asking for the status of my payment. My XX/XX/XXXX e-mail stated " This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) '' and that " I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. '' As of today, XX/XX/XXXX, NewRez has not acknowledged my XX/XX/XXXX qualified written request or taken any action to resolve my inquiry. 

I have attached copies of all correspondence referenced herein, as well as the current payment page from the Cook XXXX Treasurer 's office showing the delinquent taxes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
None of the options best fit the description of my complaint. 

I was sued for a credit card debt with XXXX XXXX by Midland Credit Management XXXX Inc, ( MCM ). I paid the debt XXXX. I did not know that the letter of satisfaction was never filed with the court until I tried to close on the sale of my house in XXXX of XXXX. I reached out to MCM on XXXX  and on XX/XX/ they sent a notice of satisfaction to the wrong the court. ( Magisterial Court instead of the XXXX XXXX Court House ). Since then I, my attorney, and the XXXX XXXX Prothonotary 's office have reached out to MCM and the legal office ( specifically for Attorney XXXX XXXX ) multiple times to request the document be filed in the correct court with the correct docket number. As of today, they have not. The sale of my home is still pending, I could easily lose the buyer, and am beyond frustrated. Midland has been exceptionally difficult to deal with from my first encounter with them. I don't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Good evening there, I hope you're well. 

Given CFPB long experience, regarding consumer protection, I'm sure the following case is nothing new for your agency. 

OBJECT : Coinbase illegal freezing of assets The Coinbase account was opened on XX/XX/XXXX. 
Trading activity was smooth and KYC process was fully completed. 

On XX/XX/XXXX, account got frozen without prior notice. 
No explanation or communication was received either. 

Ticket # XXXX was opened, inquiring about the issue. No reply received. 

Costumer Support replied only after complaining on XXXXXXXX Coinbase page.

No explanation was provided, instead Costumer Support tried explaining how they were reviewing the possibility to withdraw via ACH. 

Coinbase is totally aware that ACH transfer is only available for US clients, which is not this case, since the account is from XXXX. 
It seemed, like searching every possible way, to withold the funds. 


Our next email pointed out the ACH impossibility and formally requested explanations. 

Along with this, an update was published on Reddit.com. 

Costumer Support 's next move was to officialy close the Coinbase account, delete any post from XXXX and ban the account from publishing more. 

Therefore, given Coinbase ToS about account 's closure, we requested to withdraw the balance. 
" You are allowed to withdraw all funds from your Coinbase account and send it to any wallet address you choose .... before the account closure proceeds. '' ( https : //help.coinbase.com/en/coinbase/other-topics/other/does-coinbase-freeze-accounts ) No reply was ever received. 
All following emails went unanswered. 

Viewing Coinbase as a respectable business, with a solid base, this behaviour seems odd to say the least. 

Thanks a lot for your assistance. 
I wish you a pleasant day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
Hi! 
State Collection Service , Inc at XXXX XXXX  XXXX, XXXX, WI. XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as past due balance. I don't know or owe this company. I have never had any dealings with this company. I've noticed a decrease in my credit score. OnXX/XX/2021 and XX/XX/2021 something was put on my credit from this company, that I don't owe ... which caused my credit score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent Equifax cease & desist to stop furnishing illegal reporting activities. Received No response therefore all furnishing activity on the listed allege accounts must be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX and 2. XXXX XXXX. 
The reason why I asked them to investigate XXXX was because I contacted this company and they don't have any account under my name, which means XXXX is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on EXPERIAN AND XXXX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.

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 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For the past couple of months I have been contacting with Equifax and disputing an account that appears on my credit report from a company named XXXX, this account doesn't have any account under my name on their records and I have asked many times to Equifax to remove this inaccurate information from my credit report, or a proof that shows that the account is mine. It been almost 6 months since I started to dispute the account and asked for proof, and nothing has happened, the account stills hurting my credit and there is not proof that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been victim of a scam in which I hold Bank of America and its associate company XXXX responsible. The only reason this scam was possible is because Bank of America cleared a counterfeit check. 
In addition, XXXX don't let you recall money and they have no protection for this kind of situations. 
I have made a claim to the Bank and they told me to wait for 45 business days for an investigation. 

I was selling a piece of furniture ( a sofa ) on XXXX for {$450.00}. The supposed buyer, made a convincing but strange request to pay me by check including an excess to pay the movers coming to pick up the furniture. 
Unfortunately, I made a mistake and trusted Bank of America, if the check was good, I didn't see a problem. 
On XX/XX/2021, I have deposited the check for {$1900.00} using the Bank of America mobile App and the check was marked as " Cleared '' by the Bank on XX/XX/2021. 
Therefore, the fake buyer asked me to send the money {$1500.00} to a movers account via XXXX which I have done also via the Bank of America App also on XX/XX/2021. 
The day after on XX/XX/2021, the check was rejected as counterfeit by the Bank making the scam for a value of {$1500.00} complete. 

Immediately, I realized about the mistake of trusting Bank of America and called them to ask for a recall of the XXXX transfer based on the above facts. 
This was denied and took my claim under number : but they said this will require investigation and the delay will be 45 business days but there is no guarantee I can have my money back. 

This is outrageous, the Bank and financial institutions associated to the Bank are accomplices of this scam and directly responsible as it will never had happened if they only marked good checks as cleared. When I called, the contact person confirmed the Bank and nobody knows whether a check is good until it's checked with the sender 's institution. Therefore, the Bank should have not cleared this check. 

1- They have to respond on why they cleared a counterfeit check 2- They have to respond with protection on XXXX transfers which are done within the same Bank of America Mobile App XXXX 
Bank of America Claim # 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 explanation
Consumer complaint received 2021-09-18 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:
TRANSUNION has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

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 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NE

Complaint narrative:
On XX/XX/XXXX XXXX I got ready for work. XXXX I check my US Bank account it has XXXX dollars in it, thats fine Im waiting to get paid around XXXX so my insurance can get taken out with no problem, XXXX I check account, XXXX thats fine Im about to get paid its gon na even out here in 10-15 minutes. I work till lunch and I check my account and they took 4 overdraft fees of XXXX dollars each, thats {$140.00} total for the 15 minutes it was negative. Ive called them multiple times and they only refunded me back one overdraft for XXXX dollars. They took the rest of my money, I had just paid insurance and they left me with XXXX so I had to get a loan of XXXX dollars from the XXXX app jus so I wouldnt get anymore overdraft fees and I pulled my stocks just to be safe n have money in my account. None of these went into action until the 17th so for them to take my money and not give it back makes no sense I would understand if I was days late but it was 15-30 minutes I dont understand. And when I look at my account it doesnt even say it was negative, I had made sure everything even out and I never over-drafted, I had deposited money into XXXX and I made sure I didnt overdraft and thats how was left with the XXXX dollars. I knew I was getting paid and and was like okay its all on the same day itll cancel each other out no problem then my account will be up again but that didnt happen. Just doesnt make sense

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