vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
On XXXX, I started receiving collection letter from Radius Global Solution LLC under behalf of XXXX XXXX I called that company to find what was about, they explained me that I have a unpaid credit line for almost {$10000.00}, which I explained them that I have never requested or opened a credit line with them. So I called XXXX XXXX and they told me same information and that the account was opened in XXXX. Immediately I made a request report. Days past and no word from them. I went to XXXX XXXX and I saw my score was extremely bad, then I called them again filing a new complaint, but basically they told me they would investigate and the results came back and made me responsible of that debt. today XX/XX/XXXX after several complaint, XXXX XXXX wants to make me pay a debt is not mine, including receiving calls from them telling if I don't pay they will take legal actions against me. This situation is affecting my life because I unable to do any king of business or preform work base on my career.

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 2021-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.

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 2021-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2021 I began receiving payments from unemployment and on XX/XX/2021 PayPal without notice closed my account with limitation of not being able to withdraw or add money to my balancevwhich is a little over {$4000.00} I have contacted them and asked for a partial release they will not give it to me this is my car payment money and my rent money now that I have also become evicted for my home I have one small child that lives with me at three dogs what are we supposed to do where we supposed to live what are we supposed to eat if PayPal has all my money please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1681b the permissible purpose of consumer reports. I am in distress and this matter has affected me from getting access to different forms of credit needed during this time of a pandemic. I have no choice but to seek legal remedies for this issue to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
I have had automatic payment set up for this account for at least a year. A few months ago I noticed a larger than normal withdrawal payment. They stated my insurance had bee canceled and they were charging an additional $ XXXX for forced insurance. I provided them proff of insurance and that it had not lapsed. I was told I would have to pay the additional funds for three months regardless. Their reasoning was that they could not make an escrow analysis until then. I continued making the payments for the proper amount. The money was placed into a suspense account from which they still withdrew the forced insurance firs, leaving the payment short, and charging a late fee. Calls and emails to my " account manager '' have never been answered. The phone number given does not work. Calls to customer service are placed on hold then dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I was told to contact Early Warning Services at XXXX, They declined to provide any information. This was last week. The report was filed by XXXX but my own bank XXXX XXXX XXXX also refused to open a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase withdrew {$500.00} from my bank account twice without my authorization starting XX/XX/21. They then froze me out of my own account, which remains frozen to this day XX/XX/21. With funds over {$3500.00} at the time, I could have cashed out at the peak for XXXX. I contacted the company over 10 times and they could not care less. I have seen thousands of other people sharing the exact same experience online as well. My guess was to freeze accounts in order to inflate their holding prior to their IPO. 

Do not use Coinbase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On friday XX/XX/2021 I received a check from the state of Illinois in the amount of XXXX due to the amount of the check I was unable to use Chase mobile deposits, it was late in the evening so I went to my local branch to deposit the check via ATM, I totally understand that those funds probably wouldnt be available until maybe following Wednesday due to the holiday weekend. I dont have a problem with that at all. On Sunday XX/XX/2021 I went to use my debit card and my account had been frozen with no explanation nor notice via email or phone from Chase bank. I finally received something from chase on XX/XX/2021 to contact them. I called and finally talked to someone in deposit holds and then I was questioned about why the state of Illinois is giving me this amount of money I refused at first and basically was told tell us or else. This financial discrimination must be stopped! Meanwhile my accounts are still on hold! I was told to go to my local branch if I needed money. How do they Im able to do so. Ive been embarrassed and my privacy on how and where I get money was invaded! Chase should be held accountable for the actions they take against its customers,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
We signed closing documents on XXXX, XXXX, 2021 with XXXX XXXX of XXXX XXXX, to refinance at a lower interest rate with only rolling up the closing costs into the new loan, no cash taken back with our existing mortgage company, Mr. Cooper ( Nationstar ). We were asked to make the XXXX payment on the original loan, which we did. Both the preliminary loan pay-off, which was good till XXXX XXXX ( attached ) and the XX/XX/XXXX signed disclosure ( attached ) both show the same loan pay-off ( {$150000.00} XXXX and amount due back to us of {$740.00}. 

On XX/XX/2021 we received an e-mail from Mr. Cooper, with an updated and unsigned by us disclosure statement in which they increased the amount to pay off the existing mortgage to {$150000.00}, thus reducing the amount due back to us to {$460.00}, a difference of {$270.00}. 

This is Mr. Cooper 's reply to my concern : " It appears either the title company or funding team inputted the incorrect payoff amount on the closing disclosure that you signed. ( Payoff listed was {$150000.00} ) This resulted in the funding team having to resend the post consummation cd showing the final numbers and payoff amount at {$150000.00}. The funding team did have to make the payoff adjustment in order to close out and payoff your current loan. '' This is definitely not the title company error, as they used the information supplied by Mr. Cooper. And when this was requested to be bumped up to someone of higher authority, name not remember, but out of XXXX, TX, he said " your signatures were not required because you were still getting money back. '' I have asked Mr. Cooper for a copy of the modified disclosure document, with no success, as it's online access is no longer available. I have attached a copy of the check received. 

My complaint is two-fold, the pay-off amount was changed before Mr. Cooper 's quote expired and a new disclosure was filed and recorded with our signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On XXXX, XXXX my Santandar Consumer loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both Santandar Consumer on XX/XX/XXXX as well as to XXXX. The XXXX  Dispute was returned in favor of Santandar Bank and Santandar also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Hello, I had an account with Coinbase for digital currency, crypto. On XX/XX/2021 I woke up to emails stating that all my coins were converted into BTC ( Bitcoin ) and then withdrawn from my account without my approval or consent. I immediately messaged Coinbase Support Systems and have yet to get any solid information. 

They sent me back an email stating that they would get back to me with results. A week passed and no information was sent to me on updates other than their original message of them looking into it, so I sent another message asking for updates. Thats when I was told that I would have answers in 4-5 days. It is now Tuesday, XX/XX/XXXX and I still have no answers besides the fact that they were hacked. I have yet to receive anything informing me about receiving my coins back, being compensated, how they plan on preventing this from happening again, or even being able to open my account that still has money Ive invested in it. 

This is extremely unprofessional, disrespectful, and shows that my concerns dont matter about something that they allowed to happen. I would like immediate compensatory damages and/or punitive damages to be taken towards this company for the theft of my coins and for the values that they would now be in standings with. 

Im just ready to get this handled and moved on from because seeing that this isnt the first time Coinbase has been accused of these accusations due to recent research, I just want to get my money at its updated current value now, compensated for neglect/safety/inconvenience, and access to my account so that I can remove my last currency from their site. If I can please get some help, Id gladly appreciate it. 

Thanks for your time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TX

Complaint narrative:
On multiple occasions I have sent to Experian ( via mail ) requests for information for a specific account that is listed on my consumer report that does not belong to me and needs to be removed immediately as it is being reported inaccurately in which to date, my inquiries and requests have not been responded too and have been ignored! Due to complete negligence on behalf of Experian, I am authorizing CFPB to dispute this inaccurate account and I demand that it be removed immediately! To continue to allow this account to be reported in illegal and clearly in violation of my consumer rights in which I will take necessary legal action if not removed. The name that appears on the collection is not even accurate. 

Experian - Account Listed XXXX XXXX ( Not my name ) XXXX XXXX XXXX - XXXX XXXX {$220.00} I am requesting that you provide me proof of signed contract for alleged services including a signature and proof of identification that was submitted for the account listed with your bureau. 

Your prompt attention to this time sensitive matter is not only highly recommended but mandatory. 

XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX I sent my mom {$100.00} for XXXX XXXX. On XXXX XXXX she went into XXXX XXXX located at XXXX XXXX XXXX, XXXX, SC XXXX to pick up her money and while in the process was told something had happened to their machine so she did not receive her payment from there. She then went to another location and was told the system was showing it was picked up. I have been in constant contact with Western Union since XX/XX/XXXX, I was told it could take up to 21 days to do an investigation. As of XX/XX/XXXX, which is the 22nd day, Im being told now it could take 21-60 days, I have received no information whatsoever other than its still being investigated and Im done waiting. I feel as if the people whom Im speaking with over the phone are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: IA

Complaint narrative:
Nationwide Recovery Systems started harassing me via phone XX/XX/XXXX for a medical debt from XXXX that was PAID IN FULL in XXXX. I have documentation from the bank supporting that I paid the original medical company, XXXX XXXX XXXX XXXX, in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX, XXXX my XXXX XXXX loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both XXXX XXXX on XX/XX/XXXX as well as to Experian. The Experian Dispute was returned in favor of XXXX Bank and XXXX also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?

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 2021-06-01 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: TX

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 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
Good Morning, I am in the process of doing some work on my house. The contractor reached out to my town for a permit which was denied due to owed taxes. 

The town treasurer said that tax payments were missed and not yet resolved. 

I called the mortgage company which i was told they needed 10 days to researched I asked if the payment could be sent in the meantime which it wasn't. 

I sent 2 emails with no response and called to follow up which they told me that they did pay and disconnected me. I haven't received and update or any follow up and my taxes still have not been paid. 

The company takes monthly payments to my escrow account to pay taxes for me and they have not done that. Where is my money going. This feels very fraudulent and due to the lack of response and makes it even more so that are committing fraud. I still do not have a permit and my work is on hold due to this. I would like someone to step in so they can not continue to steal money from people and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax continues to report fraudulent and inaccurate information on my report. According to the FCRA i have the right to dispute incomplete and inaccurate information. Also according 15 USC 1681 ( b ) ( a ) ( 2 ) any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer it relates. i never gave written instructions for this item to appear on my consumer report. Please block and remove it. 

1. XXXX XXXX

Company response to consumer: Closed with explanation