vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I went to the Capital One Bank located at XXXX XXXX XXXX XXXX, XXXX, LA to deposit {$2000.00} to my checking account. This branch is temporarily closed and you must use the atm machine for all transactions. The time was approximately XXXX central. I pulled up to the last atm machine on the right in the drive-thru. I put my card in, then PIN number, and then said I wanted to deposit money. I put the bills in the door and the machine took the money and sounded like it was counting. The machine then said that there was a problem and opened the door to return my money. I attempted to grab it but was not able to get all of it. It sucked it back in and tried to push it back out again but I couldnt get ahold of it. It did this a couple of times with the metal door opening and closing but there was never enough of the bills showing for me to grab. Finally, I noticed that some of the bills were crumpled and the door shut and didnt reopen. At that time, a message came on the top of the atm screen saying that the machine was closed for deposits and could only do withdrawals. I immediately logged onto the banking app to see if anything showed up for the transaction. I also counted the money that I was able to grab which was {$800.00} of the {$2000.00} I was trying to deposit. I called my husband who called Capital One on a three way call and was on hold for about 35 minutes before speaking to a representative. She took all of the details to open a claim and told me that there would be a provisional credit given while the claim was under investigation. I received the provisional credit a day later I believe. I did not leave the atm until the claim was submitted and the representative told me that I could. On XX/XX/XXXX I received an email stating that the claim was denied and that the provisional credit would be reversed on XX/XX/XXXX. I immediately called the claims department and asked them to reopen the claim and send me all documentation used in their decision making process. On XX/XX/XXXX I received a letter and an email. The documents that I was sent was a two page search query showing that I hadnt made a transaction on XX/XX/XXXX. Later that day, I went to a Capital One branch that was 30 minutes away to try to speak with somebody. They told me there was nothing that they could do but I should call the claims number and ask to speak to a supervisor. I went to the car and did this and was told the same thing again. The case could not be reopened and the investigation had been done and didnt show anything abnormal for that day. I wanted them to look at video surveillance or look into the worker that must have come and gotten the machine working again but this was denied. I have no idea what steps to take next. I have lost {$1200.00} to my bank who I trusted with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I asked the credit bureaus to look into an account listed on my report for " EOS '' in reference to a XXXX account. Specifically, I stated that I did not believe this account to be mine, and I requested validation of the account. Since then. I have followed up my dispute with TransUnion and Experian, as well as with EOS, in asking for proof of the debt, as once again, I do not believe this debt to be mine. To date, I have sent a total of 6 letters to TransUnion and Experian, and additionally, a letter to EOS. To date, this account is not even listed as in dispute on my reports, nor have I been provided ANY response, let alone validation of this reported debt. This is appalling. I feel that I have allowed plenty of time to answer my dispute, well beyond the 30 to 45 day deadline outlined by the Fair Credit Reporting Act. At this time I am asking for relief in the effect of removal of the account from my reports.

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 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2020 they sent me information that was not ask for i ask for agreement saying i have obligation to pay any debt and teems and conditions of any agreement and a verified true accounting of debt saying XXXX XXXX owe. I want them to remove this negative information from my credit report. And stop trying to harass me for any debt i don't owe and if so send me agreement or contract binding me. The company account resolution service should not report me to any credit bureau if we don't have any agreement. This harming my profile.

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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Company did not notify of attempt to collect debt in writing. Company reported incorrect amount of debt. Company threatened to take legal action.

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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: New Mexico Educational Assistance Foundation
State: NY

Complaint narrative:
A male individual uses a number of different phone numbers, including : 1. ( XXXX XXXX XXXX ; 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2020 COMENITY BANK/ NEW YORK & COMPANY sent me a correspondence stating that I still owe a debt ignoring the cease and desist in which is in direct violation of 15 USC 1692c ( c ). COMENITY BANK continued to use obscene and profane language in which in the last company response they denied it. According to 15 USC 1692d ( 2 ) obscene and profane language is whats offensive to the consumer, this puts them in direct violation. On XX/XX/2020 I, the consumer XXXX XXXX sent Comenity bank a cease and desist, an Affidavit of Truth and an invoice. I also received statements of a consumer credit transactions in which involves a finance charge and is the sum of all charges according to 15 USC 1605. COMENITY BANK continued to report my information to the credit reporting agencies, again which is a violation without my written consent and not given the opportunity to opt out, according to 15 USC 6802 ( b ) ( 1 ) ( B ) COMENITY BANK are in direct violation. Without written consent is identity theft. I am the consumer and I have the right to refuse to pay this debt according to 15 USC 1692a ( 6 ). Reporting false information causes COMENITY BANK to be in direct violation of 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VELO LAW OFFICE
State: SD

Complaint narrative:
We received a letter from Velo Law advising : notice of a debt in the amount of {$4800.00} owed to has been placed with this office for collection. 

The notice does not say who is owed, what, when or where. The notice gives a file number, so we tried calling Velo Law to see who this debt is owed to. I was transferred three times. Each of the representatives tried getting personal information from me ; last 4 digits of SS # in order to access my file. I said, you shouldn't have a file on me, so I don't know how that can help. Which would prompt another transfer. When asked where I worked, I said US Courts. With that I was transferred again, this time the call was disconnected. When I tried calling back, no answer. 

I don't know what this could possible be for? I was the victim of an online scam a few years ago. We reported the person to the Michigan AG 's office, possibly this is a result of that? We also reported them to SD and Wyoming AG as we saw several other complaints about this person. Regardless, who in their right mind would fork over {$4800.00} not knowing what it was for. Reported this letter to our SD Attorney General and thought wise to report to FTC as a senior citizen could easily fall victim to something like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.

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 2021-01-21 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/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 40 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
First date of delinquency is XX/XX/XXXX and should be deleted. Report has XXXX as first date of delinquency which is incorrect. This date is part of the info they provided in a previous dispute but they are still refusing to remove. XXXX XXXX has confirmed that the complete payment history was provided and it's Experian responsibility to report accurately.

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 2021-01-21 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: CITIBANK, N.A.
State: VA

Complaint narrative:
CITI CARDS/CITIBANK CITICARDS CBNA is still reporting an account that was determined to be from identity fraud per CFPB Case XXXX. Please remove from 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 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Account opened XX/XX/XXXX and deposited {$1000.00} when I go to coinbase.com - everyday since the account was opened : Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status.

There is no response and no telephone number to call.

Automated Customer Help says top wait 5 or 6 days - They have said that to me 4 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 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: Early Warning Services, LLC
State: WA

Complaint narrative:
I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the DAMAGING information is creating problems with my banking institution ( XXXX XXXX XXXX XXXX ). I want justice for frivolous actions that EWS is doing. This been a going on since XX/XX/2020. I have provided them everything include evidence of XXXX and XXXX XXXX errors and misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: OR

Complaint narrative:
XX/XX/2021 : filed dispute w/Equifax - XXXX card shows on my credit report, but does not have my SS # or name. Since I filed dispute I have been on the phone daily for last 2 weeks trying to get this resolved. With XXXX & Equifax personnel. 

This is relatively simple in my mind, I'm doing refinance on my home and all this is holding that process up. 

Equifax says I can't get info on the process of the dispute, I tried numerous times. 

I asked XXXX after verifying they don't have acct. with my name ( s ) or SS # but I can not get letter from them so I can close my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I'm not receiving the escrow analysis. however, the only option provided by the bank is to register into an inaccesible page ( No posible way to register ... and the Customer Care officer recognize there is issues with the page ) I'll never receive my Escrow Statement if not login into the page .... 

My loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: VA

Complaint narrative:
On XX/XX/XXXX, I spoke with a representative of Equifax that submitted a dispute on my behalf regarding EQUIFAX MORTGAGE SOLUTIONS. The confirmation number that was provided is XXXX. As of XX/XX/XXXX, well past the 30 days allowed by the Fair Credit Reporting Act, I have not received a written response by physical mail or e-mail from them regarding the status of my dispute. 

On XX/XX/XXXX, I called Equifax, after reviewing my credit report, to have some additional inaccurate and/or outdated information removed from my file. I, first, spoke with XXXX. He assisted me with submitting a complaint to have incorrect addresses and employers from my file. He, also, assisted me with regaining access to my online account with their company and then we disconnected the call. After logging in, I went to review all of the disputes that I had opened. I noticed that they all had a resolution, some that I may not have agreed with ; however, one in particular didn't have a status update. I noticed that it was dated as submitted on XX/XX/XXXX. I'm instantly alarmed due to the fact that I'm sure they are aware of my rights as a consumer as the history of this company dates back to the 1800s. 

I called back to speak with someone about my new findings. I spoke with the representative, XXXX, around XXXX. After asking a few questions to ease my confusion, this representative began to argue with me in attempts to defend the reasoning of why this open dispute still reflects on my credit file 18 days after the allotted time that the FCRA provides credit reporting agencies. After about 5-7 minutes I asked for XXXX XXXX name and ID number for my own personal records. She gave me her name, but she questioned my reason for request of her ID number and declined to give it to me. I informed her that I would be submitting a complaint with the CFPB due to their negligence. She insisted on trying to provide me the phone number to contact Equifax 's dispute department. After my declining, XXXX decided to just silence her phone. I then placed her on hold to contact the Attorney General for additional assistance with this matter and she stayed on the line, in silence. I ended up ending the call with her at XXXX. According to XXXX XXXX argument, Equifax has more than 30 days to resolve disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This collection for XXXX came on my credit report recently. I never received a bill for this so I would like it removed from my reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My chase checking and chase business account were infiltrated by a fraudulent individual. This individual made three ( 3 ) wire transfers concurrently in the amounts of XXXX XXXX, and XXXX totaling XXXX on the morning of XX/XX/2021 between XXXX. I never received a notification/verification of these suspicious transfers none of the transfers were flagged or stopped. I have NEVER made a transaction this large on any of my accounts ever. I notified a chase branch representative immediately when my debit card declined at XXXX and I logged in to see {$1.00} in my account. Chase fraud department stated they would investigate and put the money back in 10 days. It has been 10 days and nothing has happened nor have I been contacted or updated. Over the last 10 days I have went in person to multiple branches were they provide me with no update just the number for the fraud department where they leave me on hold for hours each time I call with no update. The branches are unable to provide me with the investigation report or case number. I am getting the run around after banking with Chase for 12+ years. I filed a police report with the XXXX XXXX County Sheriff Office case # XXXX. Chase advertises they are insured and will protect your money, but they did not and have not protected mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are alleged accounts and bankruptcy showing on my credit report that I don not recognize Pursuant FCRA 623 I am demanding that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
During XXXX, I paid total escrow of {$34000.00} to AmeriHome Mortgage Company , LLC ( AmeriHome ). 
During XXXX, AmeriHome disbursed {$12000.00}. My closing XXXX XXXX ) escrow balance was {$15000.00}. AmeriHome states that the escrow balance is not a surplus and continues to demand a monthly escrow amount, for XXXX, of {$1700.00}. 
I have called AmeriHome to request an explanation of why I do not have a surplus and why am I being required to continue paying monthly escrow during XXXX. The representative told me he could not answer my question but will have a supervisor call me. It has been over 2 weeks and I have not received a call.

Company response to consumer: Closed with explanation