vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Someone opened a credit line with Navy Federal Credit Union for XXXX $ on XX/XX/XXXX of XX/XX/2020. They also tried to open other credit cards in my name!! They said I work for the XXXX which I have never been in the military. Also using a address I have never been to in XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. I need this taken care of asap. How ever we have to do it need to do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax responded to a letter I sent them with a letter conformation # XXXX, the letter states that XXXX XXXX XXXX is not reporting. But the website and customer service is stating that XXXX XXXX XXXX is still on my report. They stated on the phone that somethings wrong left me on hold for 30 mins and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CA

Complaint narrative:
I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2021-08-24 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I was sent money from XXXX on XX/XX/XXXX and I tried to collect on XX/XX/XXXX was told the key was incorrect. My sender goes to the location and is told it is accurate and should be able to collect. I go again and im told my key is incorrect, that all key are 8,9, or 10 digits and mine was 11. I call customer service and I'm told its my sender that should call and that they cant help me. My sender calls and they tell her the transaction is inactive and i can now collect. I try again but I'm told the same thing. By now i call the location and we are told the system created an error and our options were to cancel and re-send, however we would not be refunded the fee. I don't accept that and call the XXXX customer service and ask for other options and they state that the only way to fix it would be to cancel, but that the fee would be refunded. I agree and we are told to wait 72 hours, which would be XX/XX/XXXX. I call XX/XX/XXXX and it is still not available and we are told to wait another 72 hours. I called monday XX/XX/XXXX and is still not available and i was told to wait 72 hours but to call Thursday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company willfully and knowingly have violated my federal consumer rights, I never consented to this company having my personal information, that's an infringement on my right to privacy. This company reported unverified and inaccurate information to the credit reporting agencies. I, consumer requested validation of debt of this debt from Resurgent Capital/LVNV Funding and did not receive the validation of debt according to FDCPA. This company deleted the alleged debt because of wrongful activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
At the beginning of the year our loan with Wells Fargo Mortgage was sold to XXXX XXXX XXXX XXXXXXXX We purchased the home in XXXX, for XXXX. We became unemployed in XXXX of XXXX an fell behind on our mortgage. We got help from SC Help and brought everything current. When we were informed the mortgage had been sold and we received the information from the new servicer, we noticed a balance of XXXX. We inquired as why we had XXXX addition and were told that there was a deferred principal amount when the loan was purchased. We argued with Wells, in the past, about a mysterious interest amount we were seeing on our statements. We've been paying for 12 years and we owe more than when we started. Anything that was outstanding during the time of our need, SC Help brought into current status. Our balance should be aroundXXXX. 
Sincerely, Mr. XXXX P/s I tried to locate SC Help but was not able to contact them since they are no longer operating.

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 2021-08-24 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:
On XX/XX/2020 XXXX XXXX .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

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 2021-08-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020 & XX/XX/2020 Bk of Amer has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

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 2021-08-24 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: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
Amerassist AR Solution is reportig fraud information on my credit. I dont know what this account is and I believe this account is fraudulent. 
Please note the attached FTC report and remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
I don't know who owns my debt. It is either Aqua Finance or XXXX XXXX XXXX. 

Aqua Finance : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address Aqua Finance , IncXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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:
On XX/XX/2020 XXXX  has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

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 2021-08-24 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:
On XX/XX/2020 & XX/XX/2020 XXXX XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have had a ton of fraud on my paypal account and after getting everything fixed, accounts closed and reset with no help from paypal becuase they do not offer support my account is now suspended ( after fixing myself ). In order to resolve they are asking to resent my password which I have done countless times, verify my identity which I have done, upload a copy of a bill, and then provide a copy of my drivers license. 

For a company that has zero support and no one to talk to, asking me to upload a copy of my ID is a joke. I refuse to send them a copy of my ID when they have no accountability for anything they do. 

I have asked for alternatives to get the account unlocked so I can get my money out of there and close the account but to no avail. There is not a lot of money in there but they might as well be asking their customer to just provide their SSN, DL, date of birth, mothers maiden name, and blood type to sell to spammers. 

I'm sure there is nothing that can be done and I will lose the little bit of money that is in there but I would rather not have more fraud in my life from a company that I know has a horrible reputation. If you can help that would be great or if they want to see my ID I would be more than happy to show it but I am not uploading it for them to keep forever. PayPal really should be shut down and prohibited from operating in the U.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My husband and I are trying to refinance our bankrupted loan that was discharged 9 years ago. It is with Wells Fargo. We have been making our payments on time and never been late. Wells Fargo has refused to report to the credit bureaus. I have made numerous calls and they said that our loan is dead. If it is dead, why do I have statements and a loan number. My husband is retired with no credits score at all due to this! We went though hardship before, why do we keep on getting punished for doing what is right? We have proven to be responsible. We need a credit report!

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 2021-08-25 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: AZ

Complaint narrative:
I am trying to unfreeze my credit report and Experian says I have a pin number and I do not know or remember what the pin number is. Experian is advising me I either have to send my ID in the mail or upload it online, that seems ignorant since I am a victim of ID fraud already and by doing either of those actions seems like a non secured method. The Funny thing about the entire situation is that when I called XXXX XXXX and XXXX the process they used to unfreeze my credit report was simple and very customer friendly and they processed the temporary unfreezing of my credit instantly. Experian uses a Outsourcer for there customer service also and the way my husband and I were treated was poor at best, companies should be more willing to help consumers and not be constrained by unrealistic or non friendly policies. All I want to do is unfreeze my credit temporarily and then re-freeze it and Experian is completely unwilling to assist me with this unless I jump through several hoops

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A collection was reported to Equifax credit bureau by XXXX XXXX XXXX in error. I called the collection agency and the agreed to delete the wrong data with all credit bureau. I have a letter directly from XXXX XXXX XXXX confirming account to be deleted I disputed the account with Equifax three times using the letter. All three time the investigation results came back stating account has been verified as accurate. I even tried calling the dispute department but they told me the system can not authenticate me as a caller, even after I gave them scanned my drivers license and a self picture. 

I'm attaching the letter from the collections agency showing they requested account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; 2. Furthermore, you GLOBAL LENDING failed to clearly & conspicuously disclose my right to rescind ; 3. I XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; 4. Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; 5. You also asked for a down payment of {$1000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; 6. Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate, and fails to provide information which he is required to disclose and in this case you GLOBAL LENDING willfully did when you failed to disclose and provide all information clearly to me a consumer. 

7. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
I have a legit business in XXXX, all of my clients have had a pleasant experience with me. I even have at least 1 review on my XXXX page. They flagged my account and asked me to submit documentation to prove the legitimacy of my business. The same day, they sent me a message informing me that they were closing my account and could not support my business. I supplied them with my Authority Addendum and EIN paperwork. That is more than enough to prove legitimacy. All transactions were of $ XXXX {$90.00}, and the service was recommended by my beautician. They claim theyre holding my funds for 90 days, this is unacceptable and will not be tolerated. I will pursue legal action if this is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter to First Point Collections after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them a certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they ignored my letter and never replied. I am not liable for this alleged debt and they have not provided the documents I asked. 

I demand that they delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Received a call today from someone who they said worked for Coinbase and saw someone was trying to login to my account from an unauthorized device. He asked for my 6 digit authentication code. Code was given, as he reassured me with a reference number that he was an actual representative for Coinbase. That person changed something in my account cause I received an email stating the 2-factor authentication was changed. I then see a withdrawal from my bank account to my email, which was {$1000.00} and used to buy bitcoin. I then disable my account. I have been emailing with support shortly, asking me to provide a selfie of me and my ID and to be sent to this site. I have not received anything from Coinbase regarding my account nor my money. I made my bank aware of the {$1000.00} transaction and filed a fraud claim. My bank is XXXX XXXX  ( Massachusetts ). I have a total of around {$4000.00} linked to my account, in which these scammers had access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The debt collector LVNV funding - reported on my credit for an amount of {$1400.00} in XXXX of XXXX for an XXXX XXXX Credit Card that was last delinquent in or around XXXX. Firstly this debt is older than 3 years, and has passed the state of limitations in the State of North Carolina, when LVNV reported it to the credit bureaus. Prior to them reporting this debt to my credit, I hadn't received any notification of said debt. After doing some research and attempting to purchase a home, it was bought to my attention that they had filled a judgement on me. I was never served papers nor did I have the opportunity to dispute the debt, before the lawsuit was filled. I reached out to LVNV funding on or around XXXX / XX/XX/XXXX to obtain information of said debt. They directed me to Resurgent Capital Services. I then attempted to dispute the debt with them, they advised that I need reach back to LVNV funding. I did just that. After speaking to a representative, I verbally disputed the debt, and they informed me that they would be sending my documentation to validate the debt. I did not receive said documentation. I then disputed the debt by sending a letter. I thenI attempted to call back two additional times to just settle the debt, and this is preventing me from moving forward from purchasing the home. Each time they refused my settlement offer. I explained to them that I did owe the debt, however the amount I wasn't agreeing with. I am filling this complaint as they are unwilling to work with me, they have filled a judgement on a debt that was outside of the statute of limitations, at the time the debt was presented to the credit bureaus. Lastly as a consumer - I don't believe I was notified properly about the debt, provided details about.

Company response to consumer: Closed with explanation