vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. Therefore, I submitted an FTC report to have all accounts deleted, but they failed to do so. I also, NEVER gave them permissible purpose to furnish any of the information included on the FTC report neither. Therefore, this false information should be deleted since they are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi my name is XXXX XXXX, I resides at XXXX XXXX XXXX XXXX, XXXX GA XXXX. On XXXX the XXXX 2021 I sent the 3 credit bureaus XXXX XXXX, TRANS UNION a demand to see Verifiable Proof ( an original contract with my signature on it ) they have on file of the accounts I'm disputing. Its been 30 days later I sent them another letter asking for my results of my investigation, and still nothing.

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 2021-09-01 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: GA

Complaint narrative:
Hi my name is XXXX XXXX, I resides at XXXX XXXX XXXX XXXX, XXXX GA XXXX. On XXXX the XXXX 2021 I sent the 3 credit bureaus EQUIFAX, XXXX, XXXX XXXX a demand to see Verifiable Proof ( an original contract with my signature on it ) they have on file of the accounts I'm disputing. Its been 30 days later I sent them another letter asking for my results of my investigation, and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
FRAUDULENT/UNAUTHORIZED INQUIRIES ON CREDIT REPORT. I HAVE REQUESTED THE UNAUTHORIZED ITEMS BE REMOVED AND THEY STILL REMAIN I DEMAND THIS INACCURATE INFORMATION BE REMOVED FROM MY REPORT IMMEDIATELY. ATTACHED IS A COPY OF MY FTC REPORT. IF THIS INFORMATION REMAINS ON MY REPORT I WILL EXECUTE MY RIGHT TO THE FULL EXTENT OF THE LAW AND SUE EQUIFAX FOR REPORTING INFORMATION THAT VIOLATED MY RIGHTS UNDER SECTIONS 609 OF THE FCRA I DID NOT MAKE THIS INQUIRY : 1. XXXX  XXXX XXXX  XXXX 2. XXXX XXXX XXXX  XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: IN

Complaint narrative:
I am presently in process of purchasing a home and my Lender came back to me asking for more information on properties that I " Own '' and I did not list on my application. I was told that they appeared on a " XXXX report ''. The property addresses are XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. Like so many others I got caught in the XXXX crash and, unlike so many others, maintained my properties through the short sale process. I successfully negotiated short sales transactions with No Deficiencies on both of these properties. 

Am attaching a copy of the XXXX report dated XXXX. For whatever reason the short sales at XXXX XXXX and XXXX XXXX that were completed on XX/XX/XXXX and XX/XX/XXXX respectively continue to be reported resulting in a High probability of loss due to fraud. I NEVER engaged in fraud or deception with any lender prior to, during, or after the XXXX Crash. Nor will I do so moving forward. 

This is old and outdated information. I survived the 7 years it took to get these off my credit report. Now it is many years past those 7 years and this is still being used unfavorably. I continue to be damaged as a result of this illegal and unethical reporting. 

Please get this information removed from the XXXX system at the earliest possible time.

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 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
I am unable to open a XXXX XXXX checking account via https : XXXX. The checking account is open to all people, even if they are not a XXXXXXXX  customer. I get a generic decline notice on the site and email ( attached ). I applied on XX/XX/2021, on decline, I called the number listed XXXX and spoke to a representative who said they were unable to assist, but to contact XXXX XXXX  for support even though I am not a XXXX customer. After contacting XXXX XXXX, they told me to call XXXX to get support. On XX/XX/2021, I called that number and was told they were unable to help. After requesting to speak to a supervisor I was transferred. The supervisor told me that there was no way for me to open an account and that further escalations with XXXX XXXX wouldn't be possible since I don't have an account number. They have not told me why my account was declined and have not provided notice of a decline due to an adverse action on a checking account 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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They don't even have proof that the debt is mine. I have not received any piece of information such as a contract with my signature etc. Even when i asked for validation they did not provide any at all. Since they haven't done so within the 5 days required by law i demand this be removed from all of my consumer reports. They are violating many of my right so if not action is taken I will be seeking monetary remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
Dear Madam or Sir, A fraudulent collection report was posted to my Credit Report Bureau on XX/XX/2021, on behave of XXXX  company for a charge of the amount of {$59.00}. 

I did not sign up for any services with XXXX  in 2021, and I've never received any communication regarding that charge. In addition, the collection report has an incorrect address. 

The company that reported the collection report is CREDIT MANAGEMENT - XXXX XXXX I have submitted dispute reports with the collection company and the Credit Bureau to remove the collection note from my credit report. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, XXXX  and Equifax have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, Experian and XXXX  have failed to respond.

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 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/2021 I was trying to log into my Coinbase account on my laptop, which I had done only one or two other times as I normally use my phone app. After entering my login in credentials there was a message stating that my " Account had been restricted and that I need to call the number provided. '' There was also a chat window in the lower corner. I chose to use the chat to notify customer service that my account was locked. The person on the other end responded and told me that my account had been compromised by someone in OHIO. They asked me to open up the email from Coinbase and request that the IP address City : XXXX, Country : United States, IP Address : XXXX in the email not be authorized on my account. They then explained that a customer service rep would call my phone to walk me through the rest of the restart and unlocking of my account. I received a call from XXXX. I began to get suspicious, so I hung up and I called the phone number on the screen, XXXX. 

When the person answered I asked the individual to verify his employment with Coinbase and he gave me a name to XXXX and find his XXXX account. I started to receive messages via SMS and they asked me to enter those ID number to verify my identity. He then asked me to download a program XXXX, which I already had on my computer. From there he requested access to my computer in order to reset my profile for Coinbase. As he began to clear my cache and then he opened a browser window to open my Coinbase login screen and logged in to my account, I saw the list of withdrawals. I started to strongly question what he was doing and began to get upset. He was trying to reassure me that he was trying to help. I hung up with him. I used a different computer to XXXX a customer service number for COINBASE support, XXXX. 

I immediately chose the option to freeze my account. From there I reached a customer service representative that would not disclose any of my account information or balances on my portfolio. She tried to reassure me that everything was going to be okay and that it was going to take about 24hours to get my account reset and recovered. I repeatedly asked to speak to someone in their fraud/security department and was told she had no way to transfer the call and that they would be sending an email for my to communicate any fraud issues with my account. This company processes billions of dollars of transactions everyday. It is unacceptable that they do not have a fraud department to assist in asset recovery for their customers!! 

On XX/XX/2021 at XXXX I received an email that my Coinbase account was recovered, I immediately logged in and reset my password. ALL of my portfolio both USD and Cryptocurrency was converted to Bitcoin ( {$40000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ll disputed ATM withdrawals are duplicates of earlier transactions and have disparate authorize and post dates, given which I suspect they are not even ATM transactions at all and are rather fraudulent transfers affected online. Review of the ATM camera footage will evidence that none of the withdrawals were made by me and likely also the fact that the debits are not ATM transactions. Review of the daily log from the actual ATM would be helpful as well. 

In terms of the overdraft fees, none of those listed are legitimate because either the referenced transaction did not cause a negative account balance or was unauthorized. Moreover, XXXX payments can not even be made without sufficient funds in the account to cover the transaction making it an impossibility for either listed XXXX payment to have caused an overdraft and therefore fee. 

Date Amount Description XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$20.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$250.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$250.00} XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX XXXX  to XXXX XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM Withdrawal of {$250.00} XX/XX/XXXX {$100.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$50.00} ATM withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdraft Fee for XX/XX/XXXX ATM withdrawal of {$50.00} XX/XX/XXXX {$50.00} ATM Withdrawal authorized on XX/XX/XXXX XX/XX/XXXX {$35.00} Overdra

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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$240.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$380.00}, {$520.00}, and {$110.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
We received back information from CFPB today and the PHH mortgage attorney XXXX XXXX. Closed case # XXXX. Mr XXXX to be blunt is completely inaccurate in his response. 
XXXX sent us a letter of transferring our service to Ocwen dated XX/XX/XXXX. 
There is no wording on the letter about modification in XXXX as we did not apply for modification with XXXX in XXXX we applied with Ocwen who has lost the file. 
Funny Ocwen has a track record of losing files. We were not denied a modification in XXXX it was XXXX. Why would we be contacting XXXX  XXXX  looking for the original copy of the XXXX as this is what Ms XXXX and Mr XXXX said for us to produce. Please review the recordings of the phone calls I had with them.We would appreciate the attorney representing PHH Ocwen to be fair and honest. 

Regards, 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 2021-09-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is related to four tickets I purchased on my Barclay Card on XX/XX/XXXX to XXXX via XXXX - Merchant Name -- XXXX XXXX. Round trip flights from XXXX to XXXX for XX/XX/XXXX, supposed to return on XX/XX/XXXX. The flights were cancelled due to the pandemic. When I asked for a refund, XXXX told me the airline asked for 6 months. I understood and waited. I communicated with XXXX several times after and they responded that XXXX XXXX refund department would be refunding me my money. 

On XX/XX/XXXX I wrote to my credit card company to file a dispute explaining I was yet to receive a refund for four charges : 3 for {$600.00} and 1 for {$560.00} - a total of {$2300.00} Right after I sent the letter, Barclaycard opened up a dispute and credited my account. 

Fast forward to XXXX of XXXX, Barclaycard clawed back the refund and when I inquired as to why - the customer service rep said that the airlines said there was no fraud! Evidently there was no fraud and I never mentioned fraud - the services I paid for were not provided and I was asking for my money back. I had to explain to customer service the story again and they told me to send a second letter which was sent on XX/XX/XXXX. I have called upteen times to no avail. 

I checked my Barclaycard site this week and low and behold I had FOUR NEW CHARGES from XXXX XXXX. I called in and advised that THOSE were indeed fraudulent- I had not purchased those flights and they say they are going to investigate this and send me a new card. 

I also inquired about the original case where the airline cancelled my flight and they had credited and then taken back the money - case # XXXX ( not sure if the O is an O or the number zero ) - and the customer service rep told me that the case was closed!!! No one has reached out to me. When I told her how could this be, she told me I had to write another letter!!! I asked her to please escalate, that this was unacceptable, that I wanted to discuss this with someone in Corporate and she told me all she could do was escalate to a Manager. 

Please help me. All I want is my money back, and credit me back all the interest they have charged me and then I want to cancel this credit card as it is the WORST in Customer Service. I have called over 15 times, explained over and over to no avail. 

attached you will see screenshots of the communications with XXXX and the letters sent to BarclayCard. Barclay Card ending in XXXX Barclay Card Dispute = XXXX XXXX  XXXX, XXXX, Delaware XXXX Phone number - 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 monetary relief
Consumer complaint received 2021-09-01 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I do not dispute the account reported on my credit report from Chase Bank ( credit card account ). ( I previously disputed the information as incorrectly showing the account as closed on the three credit reporting agencies. ) After I disputed the information originally, the reporting agencies updated the entry to show that the account is open. However, the report still includes a comment that I dispute the information as of XX/XX/2021. Because the information is now correct and I do not dispute the information, I reached out to all reporting agencies and Chase Bank asking that the comment that I dispute the account information be removed. 

Chase Bank provided a non-responsive answer when I requested they report that I do not dispute the account information. XXXX  said there is not enough information so they are asking the creditor for information. Responses from XXXX  and XXXX  is pending. Based on Chase 's inadequate response and the likely response of the reporting agency to ask Chase for information, a complaint to the CFPB seems necessary to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion Credit Bureaus continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing to correct my information on all bureaus credit sites. 

I now am PETITIONING FOR ARBITRATION for Transunion, XXXX, And XXXX, for this matter, and matters within XXXX XXXX XXXX XXXX as the company continues to falsly report inaccurate information in collusion with these third party credit bureaus, As well as trying to collect a debt.

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 2021-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2018 with a balance of {$9100.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.

Company response to consumer: Closed with explanation