vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: OH

Complaint narrative:
Someone called my phone and advised they knew who I was and should just verify my social or they will take legal action against me. When I told them I was not who they were looking for the man advised that they have caller ID so he knew my name. But the XXXX was wrong. He told me that there would be consequences if I did not pass a message on to the person in question.

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 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022 Capital One Bank USA Reported negative remarks on my consumer Report Without my Written or Oral Consent. Im protected under the federal law FCRA. Pursuant to 15 usc 1681b you clearly violated the federal law. This Negative and erroneous information needs to be deleted now. You have 5 days after receiving of this complaint to fix this problem or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
The mortgage company BSI financial is saying we havent paid our mortgage in over a year, messing with our credit and our lives. We have proof of payments, and we have continuously tried to contact them and change it but they keep messing it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered violation on XX/XX/2021 under 15 U.S. Code 1681a ( f )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to transunion, XXXX and 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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: TN

Complaint narrative:
In XXXX of 2020 we switch my son 's cell phone from XXXX to XXXX XXXX XXXX . I have documentation to show the switch. In XXXX XXXX, 2020 after disputing the charges of {$400.00} for months of charges i did not owe since the account was closed, XXXX  credit them back. Then on the same day they charged a full months plan fee. The bill literally state XX/XX/XXXX thru XX/XX/XXXX. Since the account was closed in XXXX, XXXX could not charge me in XXXX. 
Also the recorded phone conversation that corrected the {$400.00} credit would show that XXXX admitted they mischarged the accountand did not close the account when request and number was transported over to another company. 
I can not get this resolved through XXXX because they refuse to talk to me since the account is in collections and the Law office handling the case for XXXX XXXX to collect - Maury Cobb LLC tell me the only thing i can do is pay the bill. 
When I spoke with the Credit bureaus all they do is call the collection agency which of course says yes i owe it, without even looking at my documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXXXXXX equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXX, XXXX and experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
Received collection letter for parking violation from XXXX XXXX XXXX. Never incurred this debt or had notice prior to receiving this mail. I called their number and refused to give them any personal information which they required to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There were several inquiries made on my credit report without my authorization. I received a letter from T-Mobile advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, Amex-XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XX/XX/2021, XXXX  XXXX, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXX/XX/XXXX XXXX, US SM BUS ADMIN XXXX XXXXXX/XX/XXXX XX/XX/2021, XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
There were several inquiries made on my credit report without my authorization. I received a letter from XXXX advising me that my credit was compromised due to a security breach within their organization and further advised to check my credit. Upon checking my credit, I discovered all of the unauthorized inquiries to the following companies : XXXXXXXX XXXX XXXX XXXX, Discover Financial ServicesXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX  XXXX, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXX/XX/2021, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/2021, XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Coinbase showed me a 2-day hold on an ACH when I submitted the transfer they came back telling me they are holding it for 16 days. I have tried to get an explanation for the hold and they won't share with me the reason why. I asked to be escalated to their supervisor and they have refused. I tried calling to get someone on the line and it hang up the phone when I dial the option for support. I feel that CoinBase is using deceptive practices and potentially committing some type of fraud with the fact that they are holding an ACH for less than XXXX More than the one day allowed. Because of their refusal to provide any additional information or escalate me to someone who can It furthers my fear of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022 i was at work and i received a notification from CHIME bank about a {$1000.00} contest they were having called " CHIMEMONEYGOALS '' I made whatever I have to do to participate. Minutes after at XXXXXXXX XXXX I received an email from Chime saying that my phone number was changed and an other email saying that my phone number was changed at XXXX XXXX. As soon as, I realized about the first email a minutes after ( XXXX XXXX ) I called Chime. I talked to the representative for 24 minutes she told me that " my account was secured and deactivated, nobody can have access to it, I asked her about the amount of money that I had and she told me the correct amount of money ( {$1600.00} ) on my account. I went back yo work and hour after when I checked my account it was only {$100.00} on my account. I called Chime and explained the situation that happened and they told me to submit all the pertinent proof that I have to open an investigation about the situation. I sent everything all the proof I have and they told me that in 10 days they were going to answer me the second day I called to know about the status of the dispute and they told me that I authorize the transaction that was why the dispute was denied. I arguing and arguing with them because they told me, I authorize the transactions. After the discussion by phone they told me that send more information to reopen the dispute. I sent the emails that they sent me from Chime changing my email and my phone number, the phone call from my call list showing them that I called a minute after the first email, a picture of the time I clocked in and out from work that day. After I sent everything, they told me that they were going to come out with an answer in 45 days and if they did not solve the situation in 12 business days I was going to get refund. I called after 12 business days and they told me that they had a final result that I authorize the transactions and they were not going to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
National Collection agency I asked for settlement and the settlement was reach at {$280.00}. I paid the {$280.00} and received a letter from XXXX XXXX an employee with the company that is was paid and has a XXXX balance, however when I called them claimed it was a {$280.00} pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD

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 2022-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The company that is contacting me is TD Auto Finance. Looking back at call logs, they started calling me back in XXXX XXXX XXXX, but I didn't realize the same number was calling me because I blocked the number. This lasted until sometimes in XXXX, where they started to send me voicemails every month, and I was able to see their caller ID. They told me to contact back XXXX which is apparently their collection agency. 

The issue is that I never heard of this company before this, and I am in no way associated with them and do not have any account of the sort with them. Even the person 's name that they called me does not match my name. 

I contacted them at their main general number ( which was used to call me ) at XXXX and the first person I spoke to submitted a request to have my phone number removed from whoever account it is back on XX/XX/XXXX, since I was getting tired of the calls and voicemails. However I received yet another call and voicemail today at XX/XX/XXXX. It is clear that the request did not go through and they will keep spamming me with calls and voicemails every week or so, even if I HAVE NO BUSINESS OF ANY SORT WITH THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: NC

Complaint narrative:
On XX/XX/2021 I discovered a violation under 15 U.S. Code 1681a ( f )

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote a letter intended to Citibanks Billing Dispute Unit Offices. I used my citibank debit card which is also connected to my XXXX account. I use this card to pay for various beauty services. I scheduled an appointment with the merchant XXXX in hopes of doing my hair. However i was gimmicked out of XXXX which was half of my service and served as my deposit fee for the intended services. I opened a dispute on the following transaction by XXXX on XX/XX/2021 for XXXX XXXX It was closed and has resulted in an overdraft in my account. I will be attaching conversations of the merchant and I. He did not show up to allocated location. He also moved the time around multiple times. I was promised my deposit back as follows in the attachments. I requested the case be reopened. I was advised by a Citibank representative to do so. My account was overdraft as a result of the charge, which I hope will be fixed without any respecting fees. The case ID for this dispute is XXXX. I sent over documentation for the dispute on XXXX XXXX. I have repeatedly called numerous Citibank representatives and Citibank dispute representatives. No one has gotten back to me on the matter. The fraudulent charge is still placed on my account. The inconvenience has placed me in the predicament of paying for a fraudulent service twice.

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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Since about XXXX I have been trying to resolve escrow issue. My insurance information was sent out in a timely matter, LOANCARE says they did not receive and purchased insurance on my behalf, Me, my carrier and my agent all sent insurance copies. They had to get copies when loan was sold. I have emails Where we mailed a second set to them XX/XX/XXXX. They did not do a new escrow analysis. It was not unit my XXXX payment did they adjust escrow even though I have called several time since XXXX. In XXXX I was told when account was current, previous person said they would fix escrow, they would send extra escrow out. In XXXX I called and was told I had to request it, which we did. Today I am on the phone and they are telling me they have to do an additional escrow analysis and then request me to be reimburse. In XXXX, XXXX and XXXX they did not tell me the extra money I sent in that they put directly to curtailment could of offset this mess, XXXX person tells me it is to late. Every time I call I get a new story will some reason they wont send me back my escrow excess. Everyone tells me they will escalate everything and no one calls back or does their job. People should not be treated like this. XXXX XXXXLoan Care are awful. 
XXXX says she will get check cut and sent out overnight ... ... ... She can not answer why my XX/XX/XXXX email was ignored.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am currently sharing a USAA checking account ( member # XXXX ) with my ex fianc and he was got involved in a scam involving fake check deposits, which left my account with a large negative balance. All funds left by XXXX and debit card transaction. My fraud claim was denied, which is in violation of Regulation E, specifically guidance related to scams from XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation