vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I started a plan with XXXX telephones. I had 30 days to evaluate their service. I did not like the service and returned the phones to a XXXX store. I was informed that I was cleared of any obligations. They have been reporting on my credit that I never returned the phones. I spoke with XXXX many times on them looking in their warehouse or receiving or the store. I was met with they are not obligated to do so. They are reporting that I never returned the phones when they have the ability to search for them and are refusing.

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 2021-04-05 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: OH

Complaint narrative:
Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XXXX XXXX # XXXX, -POSSIBLE FINANCIAL # 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 2021-04-05 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: OH

Complaint narrative:
Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XX/XX/XXXX # XXXX, -POSSIBLE FINANCIAL # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: LoanCare, LLC
State: UT

Complaint narrative:
LoanCare servicing is reporting an erroneous late and it must be removed. I recently checked my credit report and was very confused when I saw a late was showing up on this account for XX/XX/21. Loancare sold this account to XXXX and I have been paying XXXX now for my mortgage payment. I was never late on my Loan care account as we had it set to auto draft, however in XX/XX/XXXX my wife noticed that the payment didn't come out of the account so she called and spoke to a representative about this. The representative said that the account was sold and the XX/XX/XXXX payment had to be made to XXXX. She then called XXXX and made that payment and we have been paying them instead. However, on my credit report Loancare is reporting a late for XX/XX/XXXX when I wasn't supposed to pay them? I made my mortgage payment on time, and did as advised and paid XXXX because they are now handling my account. This late is not my fault and it must be removed.

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 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was using the square Cash app for P2P money transfers. I had a birthday gift of {$300.00} that was transferred to the wrong bank. 

Basically, When I did not see the money in my account I check my default bank information in the Cash app only to see a XXXX ban account I did not recognize. I only saw the last 4 digits of the account but deleted right away because I did not want them to take more money from me. 

When I called XXXX, they said they could not help without more information. Cash app said they couldn't help and that I needed to contact XXXX XXXX. So, pretty much ignored by both entities and was told by each to contact the other. 

When I told my friend about this recently, he checked his default bank with cash app and it was a mysterious wrong bank! 
I suspect that Cash app is able to be hacked, where the hacker can input their own bani information into the app, so money is transferred to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have +an 800+ plus credit score, income close to the top 1 % and impeccable credit - I've never been late paying a bill and have a large bank account. I was invited to apply for a City XXXX with 0 % for 18 months offer which I did. I was accepted and given a {$1000.00} limit. Most credit cards offer me XXXX XXXX, XXXX XXXX they offered me XXXX XXXX  limit. When I complained they had me apply for a credit card limit increase which was denied. I cancelled the card never having used it. I strongly suspect that when they saw that I would use the account and pay the balance each month they offered me much less than other customers with poor credit histories who I strongly suspect would get much larger credit balances. I never would have a applied if I knew the limit would be {$1000.00} and now I have two inquires on my credit profile. 

They said they'd send me a letter explaining why I was denied an increase. All the letter said was " We're unable to approve your request ''.

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My wife and I started a refinance loan on XXXX with Pentagon Federal Credit Union. It has been a nightmare, from them not understanding basic appraisal sheets to non communicating. They ( PenFed ) hold the original loan on our second home. Due to the fall in interest rates we wanted to refinance to a 20 year loan at the lower rate. We were promised verbally it would be quick and easy. 5 months later we are being ignored, when we call to speak to our representative we are told he is in a meeting and will return our call. Guess what, no calls. I have so far taken two days off from work so we could sign docs. Those days never happened! So Im out two days of vacation leave at work. Plus an {$800.00} reappraisal on our property. Weve talked to other lenders and were told it sounds like they just want us to go away due to they would lose money refinancing at a lower and shorter pay off date.

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 2021-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I went to Home Depot to purchase items where I was told I could sign up for a rewards card. They proceeded to get my personal information. I was sent a Home Depot credit card I NEVER asked for or was informed of. I immediately called and cancelled the card. I went to Home Depot a few more times and used either cash or my personal credit card from credit union. Somehow with my information they charged bills to the Home Depot card through Citibank. Apparently the card I had cancelled and NEVER used. I feel lied to, duped and very foolish. I just wanted a simple rewards card and they swindled me. I don't want to pay this fraudulent feeling bill! I want them to release my info, absolve the bill and all contacts with me. They straight up lied to get my personal information and I'm horrified with them.

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 2021-04-05 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Equifax. It has been well over 56 days and I have not received a response. On XX/XX/XXXX, I submitted a complaint to the CFPB ( ID XXXX ). On XX/XX/XXXX, I received correspondence stating that Equifax did not believe I was the one filing the complaint. I was advised by the CFPB to call Equifax and let them know I am the one submitting the complaint. I contacted the Equifax dispute department to inform them. Subsequently, I am refiling this complaint. Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: OneMain Finance Corporation
State: TX

Complaint narrative:
This is a formal complaint against One Main located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, One Main has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
This account was opened without my knowledge or permission. amount due is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
WIlliam & Rush associate is a collection agency said i own them over {$6000.00} this wasn't on Credit account they are placing incorrect balance on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: HI

Complaint narrative:
Hello, I have been dealing with Gemini Trust Company LLC since XX/XX/2021. They run the app Gemini. It promises easy and secure buying, holding, & selling of various crypto currency 's. So far i have only seen that they are good at TAKING & HOLDING YOUR MONEY. It is extremely easy to set up your debit card/bank account. They will TAKE your money within seconds. But even after 3 months of trying to verify my card/bank ( that did work for depositing funds ) I have been unable to get back my money in any form USD or crypto. I have tried multiple accounts to transfer it out to. They say all are invalid. I have tried to email them 4-6 times over the past few months, they only automatic responded twice after that they just stopped responding to all my messages. I have invested {$110.00} into the account & have provided all the transaction proof in the documents, Along with one picture showing proof that they are saying a valid address is invalid, I have provided a buying order to show that they have taken money from me, & I provided one of there automated messages. Please help me I don't know what else to do at this point i hope I have provided enough information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I opened a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: NJ

Complaint narrative:
XXXX XXXX Account ( ( a.k.a. XXXX XXXX XXXX, XXXX ). has filed a false and damaging credit status on my credit files for almost two years through a collection company called 'AmeriCollect '. The amount of the false collection billing is {$110.00}. 

On XX/XX/XXXX and XX/XX/XXXX two officers of AmeriCollect contacted me about the same false medical bill of {$110.00}. They requested proof of payment from me at the time of my medical service on XX/XX/XXXX. 

I provided the proof of payments to the collection company, 'AmeriCollect and asked them to remove the derogatory charge of {$110.00} against my consumer credit files as discussed. 

This false credit charge was due to a mishandling of my medical billing/processing by XXXX XXXX. 

Prior to service rendered to me on the reported date of XX/XX/XXXX, XXXX XXXX had to reschedule my medical appointment for the purpose of engaging my Medical Insurance carrier at that time, XXXX and determined the amount due from me as a patient. There was no previous balance remaining on my medical account at XXXX XXXX. 

Few days later, an official of XXXX XXXX called me and informed me that they have contacted my Medical Insurance carrier. I was informed the amount due from me was {$300.00}. 
On the day of the XXXX WITH CONTRAST service, I made two payments of : {$150.00} and {$150.00} to XXXX XXXX. ( Please see attached payment records ). 

Even after providing the proof of payments, AmeriCollect Collection officials persisted to keep the false derogatory charge of {$110.00}. 37 against my credit files. AmeriCollect officials were stonewalling my complaint and surprisingly led me to a non-working contact a billing contact # XXXX for additional help. 

On Monday, XX/XX/XXXX, I contacted XXXX XXXX directly. I discussed the billing issue with a lady called XXXX. She was very cooperative and directed me to contact the correct medical billing office for XXXX at XXXX. The lady at the correct billing office clearly stated that If I have submitted proof of payments, the collection company must remove the derogatory remarks from my credit files. 

AmeriCollect officials continued to resist and stonewall the removal of the false billing charge of {$110.00} from my credit files. I therefore had no other option than to report this incident to the Federal Consumer Financial Protection Bureau. 

Your assistance in this matter will be much appreciated. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I hired an attorney to help me after my mortgage servicer, Carrington Mortgage, denied me for assistance in saving my home. I fell behind due to XXXX XXXX. My attorney says they emailed the servicer and faxed a 3rd party authorization and now Carrington Mortgage is telling my attorney it takes 30 days for their authorization to show up in their system. This is just more games Carrington is playing. My attorney says 30 days is not consistent with what is reasonable. RESPA Regulation requires servicers to respond to requests for assistance in a timely manner. Blocking out my attorney from simply speaking to them is a form of evading my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I was a customer of United Wholesale Mortgage. My home loan number is XXXX. This loan was paid off on XX/XX/2021. I am owed a refund for my XXXX payment in the amount of more than {$2100.00}. UWM keeps telling me the money is coming, but I have not received it. It has now been more than a month. Why are they allowed to hold on to my refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 to Conrad Credit Corporation located at XXXX XXXX XXXX XXXX # XXXX, XXXX TX XXXX and they received my request on XXXX.This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover card is claiming I had an account with them and they charged off {$12000.00} in 2017. 
I never had any account with Discover card. I have asked Discover to send me proof showing this card account is mine. My original application form to start this account, transaction history etc. I have been writing back forth with Discover card for more then one year and 3months.So far they have not given any proof to me. I have written letters to IRS, Attorney General, XXXX XXXX and Consumer Response center to resolve this problem. Again, So far Discover card is refusing to give me any proof. If they do not have any proof, they should admit their mistake and give me a cancelation of this claim and the 1099 they have send to IRS. 
Please contact Discover Card division and solve this problem. 
I have the copies all the correspondence which I have mentioned above. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am unable to activate the EIP card from the Money Network. This means I can't access the money the government wants me to have!!!

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