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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my 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 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Amerisave has negligently failed to correctly calculate and process my loan on several occasions. 

Currently, they failed to calculate and pay my property tax. A {$120.00} balance is past due to XXXX XXXX, VA as of XX/XX/XXXX. An additional {$2000.00} balance is payable in XX/XX/XXXX that Amerisave does not intend to pay. Amerisave 's next payment from my escrow account is planned for XX/XX/XXXX. 

The Amerisave Servicing department says there's nothing they can do, and that I have to contact my loan officer to resolve it. My loan officer, XXXX XXXX, doesn't answer his phone or his email, so I have no recourse if I follow the Amerisave process. 

This is only the most recent error of Amerisave. Previously, 1 ) they failed to underwrite my loan by the closing date and needed me to delay my closing by a week to allow them more time. On the morning of closing, their underwriting team was still sending me initial questions and initial requests for documents. 
2 ) they failed to correctly calculate the cash need to close, erring by {$2200.00}. On my second closing date, Amerisave " updated '' my closing disclosure to reflect that I actually needed an additional {$2200.00} in cash to close that day. 

Amerisave is clearly negligent in their handling of my mortgage and they have no regard for the harm they cause their customers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, I opened a Coinbase account in XXXX. Fortunately I only put in a XXXX  XXXX pounds in and I was impressed that the value had increased remarkably. However in XXXX I had message on my account saying account is under review and that it would take a few days. It's now become a joke because my account is still under review. I have reached out to coinbase on three occasions but I have had no answers. The case numbers are XXXX, XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a debt validation letter along with an Affidavit of Truth with an opportunity to cure to Discover Financial Services. On XX/XX/2021 I received a notice from my credit report that my Discover account had been closed while still having over {$4000.00} of unused credit left on the card. I called and spoke to a Discover representative who informed me that the account was only closed in order to investigate the complaint filed to the CFPB. 

On XX/XX/2021, I received a letter stating that my Discover account was closed with no further explanation. After being hung up on 3 separate times, I spoke to a representative who informed me that my account was closed due to " malicious practices '' and that I had stated that I was not going to pay the alleged debt. However, I never stated that I would not pay the alleged debt. I sent a letter in asking for specific documents to be returned to me in order to validate the alleged debt. I was told that someone would contact me back in 72 hours with further explanation on the closure of my account. 

After 72 hours, I never received a call back. I followed up with another phone call on XX/XX/2021 and was held on hold for 40 minutes while being told that the supervisors were looking for the correct department to send me too. I was hung up on and never received a call back from any other Discover representatives. 

Discover closing my account has withheld me providing for my personal and household needs. I was never given a proper nor valid explanation as to why my account was closed.

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MN

Complaint narrative:
A US bank prepaid card with {$100.00} was under my name by someone I know. They used my name and my personal information to get this card. i did not consent or know anything about this until i got mail with my name on it about this card. the card doesnt expire until XX/XX/23. and the person hasnt used it yet cause they didnt know i have the mail about this card. i have never used a debit/credit card in my life. this person already has me in a lot of debt, i dont want to deal with more of this type of stuff.

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 — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
On Wednesday XX/XX/2021, I clicked the contact us tab on the adopt XXXX XXXX. I received a text message from XXXX introducing themselves as XXXX the XXXX. The next few text messages with XXXX the XXXX he informed me about the puppies that were available for adoption. He sent several e-mails with photos, and video of available dogs and I picked the dog out. 
After I picked out the dog, I sent a zelle payment to XXXX of {$500.00}. 
After sending the money I proposed picking up the dog, vs. shipping the dog. That's when he provided the street address where I can drive to pick up the dog and text me back to tell me the time/date XXXX can pick-up the dog. After talking to family members, I text XXXX back about possibility delivering the dog vs. picking it up as I forgot my brother who was going to drive me tested positive for XXXX and did not receive a negative test results. 
On Friday XX/XX/XXXX, I texted back XXXX advising him to proceed to deliver the dog to my home address which I provided. I sent another Zelle payment of {$700.00} to XXXX. 
On Friday XX/XX/XXXX in the evening, I received ( 2 ) e-mail 's from the same party : Email address : XXXX, E-mail Subject : URGENT!! Health and XXXX XXXX to send {$1500.00} via Zelle Email : XXXX. Then a second e-mail threatening that they would report to the Michigan authorities. I sent a 2nd Zelle payment of {$1000.00} to Email : XXXX because my bank XXXX XXXX  blocked the {$1500.00} transaction but a {$1000.00} managed to get sent. 
On Saturday XX/XX/XXXX, I received several e-mails from XXXX about them suing me if I didn't pay the remainder {$500.00}. I told them I had no more money, they proposed me purchasing a gift card at XXXX, XXXX and sending them the gift cards. I purchased the gift cards through my credit card, and sent pictures of the gift cards to them. 
On Saturday XX/XX/XXXX, I received the flight details on how the dog was being transported, only to receive another e-mail in the evening stating the dog was at XXXX, NC airport in quarantine. 
On Sunday, XX/XX/XXXX more threatening e-mails came through, and proceeded to send additional gift card information. 
On Monday, XX/XX/XXXX, after sending the money another e-mail requesting more money and that's when I called the XXXX XXXX Wisconsin police department to report them in. I've sent XXXX XXXX all the information, websites, e-mails and text messages. I am asking the FTC to work with the XXXX XXXX Police department, and take down the website so no further transactions can be made and other U.S. Citizens fall pray to these thief 's. In the end, I never received the dog, and I'm trying to recover the {$7200.00} that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am the secured party and first lien holder and i have been harassed and my rights were infringed on. violating 15 usc 1681 ( a ) 15 usc 1681 ( b ) 15 usc 1681 and 18 usc 241 18 usc 242

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 — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
All of my charges were expunged on XX/XX/2021. They should not appear on any background checks.

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I lost my wallet riding in an XXXX. I explained to Wells Fargo that my wallet was stolen where someone fraudulently ran up charges on my credit cards totaling XXXX and Wells Fargo debit card. I have these transactions outlined below all taking place on XX/XX/2021. I spoke with a young lady today by the name of XXXX who did not want to help me at all and was very disinterested in reviewing my concern. I need help. I am not rich. I am struggling and I support myself. Please hold Wells Fargo accountable. Her reason for denying my claim is that the criminal knew my pin. How could I know How they accessed my pin?!?!!! My PIN number was XXXX. The house number of my old address. Which was listed on my old ID which was also in my wallet that the Criminal stole. Please help me in retrieving my funds. XX/XX/XXXX was a Wednesday, my work calendar reflects I was in back to back meetings. This absurd. I need my money. 

{$100.00} {$2.00} {$100.00} {$110.00} {$100.00} {$200.00} {$1700.00}

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 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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my credit 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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have multiple inaccurate listed on my credit I have tried mailing and disputing without any luck that was XX/XX/2020. I have also called XX/XX/2020 and I was not verifiable with a my valid GA License. I placed a freeze on all my credit information and received mail from the company in someone else name. Which I requested to remove in XX/XX/2020. I have a Bankruptcy on my public records which is not mine. Address that are not mine and have been reported as fraud, they are still on my 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 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The account for which Portfolio is attempting to collect is " time-barred '' in the State of California. I asked for verification of the debt but never received any written report. I asked for them to stop calling me, but they have not stopped. 
Each call I have received has been from different phone numbers. 
Each time they call, the company " dings '' my credit rating.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fraud charges in my account from XXXX Hi, I am not sure how long this has been happening, but I just realized last month I had XXXX I think had charges from XXXX. I know I had some charges before applied from my account without my authorization and it was phone payments. 

I do only banking and had set up one payment. This time I changed the account and made the payment but still someone called and charged {$150.00} to my debit card and it was a fraud I know XXXX XXXX also has charged off one of my account and put my report and whole jobs due to that and I do believe some fraud happened under my name In XXXX XXXX. 

Someone has been taking money out and not sure how long this has been happening. 

I reported but never got help and someone is calling saying they are XXXX. 

XXXX Payment Reminder : Visit XXXX or call XXXX TTY XXXX to make pymt on your XXXX Credit Card. To opt out of texts reply STOP These are fraud. 

I told XXXX not to take payment over the phone due to this fraud. 

They have to fix my account and have to stop. 

Please take care.

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 repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: WA

Complaint narrative:
I noticed that my credit went down. I dont remember when. I haven't missed a payment. I asked the company self why. They said I opened or closed an account and that my credit will fluctuate. I closed one thing a long time ago. I was already penalized for it. There shouldn't be any fluctuations. That isnt a thing. As of currently I haven't opened or closed anything.

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 — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was told by midland credit company, if collection debit is paid in full ( Pay to delete ) will be off my credit. It is still reporting in my credit.

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: CT

Complaint narrative:
Certified Letter sent to the Credit Bureau to remove the following items because of inaccurate and incomplete reporting of the following companies on XX/XX/XXXX. 
XXXX Funding $ XXXX XXXX  XXXX XXXX {$57000.00} on XX/XX/XXXX XXXX  XXXX XXXX {$220.00} on XX/XX/XXXX They have violated federal law by not properly investigating within the required timeframe, and failed to provide me with a copy of any viable evidence and continue to verify inaccurate items. They are noncompliant and have not deleted the items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: WI

Complaint narrative:
someone stole my identity and hacked my old accounts. XXXX, XXXX, ect. sent me XXXX, demanded money, i dont know how to address this situation ...... 

all for me to open he chime app and download it on my phone which i did then i an enable the two way authenticator and they stole my identity that way my passwords everything. 

i dont know who this person was. 

but chime might.. i have a gmail account linking me to this person. i will attach it here. 

i spoke to chime today on XX/XX/2021 at XXXX XXXX  and informed them that i was XXXX XXXX XXXX and wanted this account closed and that i was a victim of identity theft scams and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
national credit systems is attempting to collect an alleged obligation on behalf of XXXX XXXX XXXX. national credit XXXX on XX/XX/XXXX sent demand for payment under a 50 % settlement offer. per my knowledge there is no legal binding contract bearing my signature to contract with national credit systems. 
the original creditor XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX renewal was paid in full via the negotiable instrument provided to XXXX during the signing of my lease. per the bankruptcy act of XXXX XXXX gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019. 
Per the debt collection laws national credit system is in violation of the FDCPA, TILA as the alleged debt as been satisfied. XXXX XXXX and National Credit Systems is in violation of XXXX6 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. national system has committed identity theft as no permission was granted to house my personal information within their database

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am a license XXXX XXXX agent in the state of Alabama. On XX/XX/2021 I took a rent payment via the app Cash App for XXXX XXXX and XXXX dollars. Approximately ninety days later my tenant filed a dispute with her bank over the charge. I can easily prove it is a valid charge. 

Here is the issue. Because the charge was through Cash App, the bank does not know who actually received the money and when I asked Cash App for the banks information Cash App refused to provide it. 

Because of this : 1 ) The bank can not properly investigate the disputed payment.

2 ) I can not contact the bank to provide information about the disputed amount. 

Cash App advice is too me was to contact the sender directly. With Cash App effectively giving her a default judgement from her bank, she has no reason to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I sent them a debt validation letter, they never sent me anything pertaining to the identity of the person that created this debt, they sent me a bill and continue to defame me on the credit bureaus... ..i sent them a afidavit of identity ... .they did not acknowledge the afidavit. they have not sent anything ask for in my letters ... .to establish my identity.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX  XXXX  XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation