vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In the Spring of XX/XX/XXXX, Wells Fargo notified me they had frozen my XXXX XXXX ' checking account due to " attempted unauthorized access ''. No funds had been removed from my account, and they refused to provide any further evidence of or information about this unauthorized activity. They told me the account would be frozen for six months and then closed permanently, and that I would need to set up a brand new account with them. At the time I relied heavily on automatic bill payments due to the large number of XXXX my XXXX had to pay, and this situation caused a large number of those payments to fail. After spending hours on the phone with Wells Fargo customer service and escalating my issue up the chain of command, I decided to move to a different bank and close my Wells Fargo accounts myself. That's when the issue I'm actually filing a complaint about began. I went through several rounds of closing my account, then finding out later it had been re-opened, with ongoing fees. When I would call in to inquire about the matter, I was told the account was re-opened after closing because " there was continued activity. '' In many cases, this " activity '' was from fees the bank itself was charging to my account, and in others it was due to XXXX I was still in the process of switching over to my new bank ( or that I had forgotten in the process because they were paid infrequently ) attempting to charge my debit card. I tried authorizing the bank to reject any attempted activity on the account and let me deal with the consequences, but was told that was not how it worked. This happened at least three times, each time with promised that the account was really closed this time. I was told if I came into a branch to close the account they MIGHT be able to close it permanently, but I explained ( despite them already knowing this ) that I lived high in the mountains, a long drive away from the nearest branch, and that I was running a highly face-to-face customer-focused business single-handedly and could not afford to make a long trip in the middle of the week with no promise of success. 

To this day ( six years later ) the account remains open, and I have continued to incur bank charges every month. I have since moved to a less remote location in another state, but based on my past experiences with this bank I do not have any confidence that walking into a branch ( especially a branch other than the one where the account was opened ) will result in any satisfaction.

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 2021-02-24 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: IL

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Kohls was having issues sending the statements to my correct address in 2019 and I even spoke with several representatives on multiple occasions to fix this issue. But my attempts were unsuccessful. I was only made aware of the late payments after the fact once the mail eventually arrived to my residence. I have always been diligent about paying my obligations on time and these late pays are a result of the poor communication and transparency on Kohl 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Freedom Visa is changing the terms of my agreement including what constitutes a " cash like '' transaction. I would like to prevent the card from being able to make a " cash like '' transaction, but they informed me it is not possible to do. I then asked to reduce the cash advance limit to XXXX $ and they also informed that is not possible to do. My XXXX XXXX Visa has no problem setting the limit to XXXX . By not honoring my request, Chase is forcing me to cancel the Chase card and obtain a new card from another financial company, which will have a negative impact on my Credit Rating. The Federal Government should regulate Credit Card companies to force them to provide a means to disable unwanted ( features and fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: FL

Complaint narrative:
Attention : Please help me with this matter. The information reported on my credit is not accurate. All 3 bureaus are reporting different information. I have sent letters to the credit bureau asking for an explanation but have not heard anything back. This matter was addressed over 30 days ago. Please help. I have sent follow up letters to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
I am distressed that I am having to file a complaint since my consumer rights have clearly been violated! I have sent a total of 5 Letters regarding negative remarks on my credit profile ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and nothing has been updated. Please note I have provided ample time to rectify this matter. Both XXXX XXXX XXXX and XXXX XXXX XXXXS are clearly reporting on my Credit profile incorrectly. How does this account meet FCRA requirements when the dates for the last activity is different for every credit bureau that was falsely verified therefore needs to be removed immediately because you are reporting fraudulent information. Please note, The reporting of these accounts violates USC 15 1681 ( 2 ) i. It has been well over 60 days and the accounts are impacting my credit profile. I received a letter showing " verified '' when clearly nothing was verified! I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition, before you start, Absolutely nothing in my letter could reasonably give rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: WA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations 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. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-24 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: GA

Complaint narrative:
In XXXX, and XX/XX/XXXX someone opened two fraudulent Credit Card accounts in my name with XXXX XXXX XXXX. In XX/XX/XXXX someone opened two fraudulent accounts with XXXX card and XXXX. I've tried disputing this matter with TransUnion, XXXX and XXXX. They haven't blocked the fraudulent accounts in accordance with the FCRA Section 605B. 
1. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX 2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 3. The following account is not mine XXXX Card Account Number : XXXX 4. The following account is not mine XXXX Card Account Number : XXXX 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 6. The following account is not mine XXXX /XXXX /XXXX  Account 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 explanation
Consumer complaint received 2021-02-24 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: GA

Complaint narrative:
In XXXX, and XX/XX/XXXX someone opened two fraudulent Credit Card accounts in my name with XXXX XXXX XXXX. In XX/XX/XXXX someone opened two fraudulent accounts with XXXX card and XXXX. I've tried disputing this matter with XXXX, XXXX and Equifax. They haven't blocked the fraudulent accounts in accordance with the FCRA Section 605B. 
1. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX 2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 3. The following account is not mine XXXX Card Account Number : XXXX 4. The following account is not mine XXXX Card Account Number : XXXX 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 6. The following account is not mine XXXX /XXXX /XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
Several weeks ago I contacted the XXXX XXXX XXXX XXXX company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My family and I have been affected by Covid-19, I'm also 100 % XXXX with a XXXX XXXX. I have provided Ocwen Mortgage, XXXX XXXX, PHH Mortgage my financials requested a forbearance and mortgage assistance. I was told by my mortgage company I don't have enough income, I told PHH I'm married my wife works. I provided her information to my mortgage company. They are difficult to work with and unwilling to assist me with keeping my home. I was told by customer service that I could not get a forbearance for my mortgage even though there is a foreclosure moratorium from our President. PHH refuses to work with me also I have spoken with several customer service each one of them have given me different information to me they are trying to make me lose my home to foreclosure. My home is set for foreclosure sale but I have not received a foreclosure letter from the foreclosure attorney. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
XX/XX/2021 XX/XX/2021 XX/XX/2021 i called them was put on hold, then disconnected. I called again and this time it was a auto answer with no way to contact a real person. It only asked for an extension number be entered, and i was disconnected. 
XX/XX/2021 i called their number and again i got a auto answer machine asking for extension number, and im disconnected. 
XX/XX/2021 i received a call from a Unknown number, went straight to voice mail. This time its a XXXX XXXX XXXX from the state of Oregon. This is all feeling very shady

Company response to consumer: Untimely response
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC
State: FL

Complaint narrative:
Upon receiving notification from my employer and letters from my employer stating Constar Financial services , LLC also know as XXXX are attempting to collect a debt.This company continues to burden me in trying to force with psychological, intimidation tactics or strategies. This company is a scam and trying to fraud me into paying for a fake or someone else debt. They need to STOP contacting me and my employer by mail and by phone number. I have no affiliation with or to this company or the debt they are trying to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Coinbase, Inc.
State: PA

Complaint narrative:
I could not access my Coinbase account on XX/XX/2020. My XXXX authenticator code did not carry over when I bought a new phone. I locked my account to ensure no-one else could access it. I reached out to support and they responded 6 weeks later via email. I was unable to speak with a real person. Support told me they were going to disable 2 factor authentication so I could access my account but that never happened. They asked me if the issue was solved and I said no. They ignored my response and closed my support ticket.

Then 3 weeks ago I found my XXXX Authenticator code in some of my stored documentation. I was able to successfully authenticate, but since I locked my account, I was asked to verify my identity. I proceeded to upload my license and a picture of my face. The system denied me saying it didn't match their records. The records did not match because I recently moved and have a XXXX license. When I opened the Coinbase account I was living in XXXX and uploaded my XXXX license. I submitted another support ticket three weeks ago and have yet to hear back from them. 

This issue would have been resolved months ago if Coinbase employed real support humans to resolve edge case issues like mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 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:
Attention : Please help me with this matter. The information reported on my credit is not accurate. All 3 bureaus are reporting different information. I have sent letters to the credit bureau asking for an explanation but have not heard anything back. This matter was addressed over 30 days ago. Please help. I have sent follow up letters to each bureau.

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 2021-02-24 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: FL

Complaint narrative:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
I have been trying to get a modification from this company since XXXX. My father who is on the loan passed away in XXXX. After months of going back and forth with CMG they stated all they needed was my father death certificate which I sent to them back in XXXX. Then calling to check status a rep expressed that I would receive a letter that CMG is requiring a probate letter or will of my father. I expressed that they only required a death cert. This was now XX/XX/XXXX. I sent the will and updated paystubs and bank statements. Now I called last week on XX/XX/XXXX to make a payment and was told I couldn't because I was in the middle of a modification and that my file of the will was sent to adjuster. Now I call yesterday XX/XX/XXXX and was told that I have a point of contact, XXXX XXXX and that I would need to speak to her and then I was xferred but it went to voicemail. I left a voicemail and she did not call me back. I called CMG again today XX/XX/XXXX and spoke to another rep who states that my uniform borrower form is about to expire. I expressed to her all that I have been going through with CMG and she provided me the presidential complaint address for company. I told her what last rep told me about not being able to make a payment because I am in the middle of a modification but I am being recorded as late to the credit bureaus and she told me that she isn't sure why I was told that since I've been making payments during this process ( I am 2 months behind ) and that I could make a payment which I did. She also sent an email to Ms. XXXX to return my call. I have constantly received conflicting info from this company and there is no way i should still be going through this process that started back in XXXX of last year.

Company response to consumer: Closed with explanation