vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 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: Grain Technology, Inc.
State: OR

Complaint narrative:
I have already reached out to Grain already on multi occasions. On XX/XX/2021 I told them that they do not have consent to report to my consumer report. They are in violation of FCRA. I already sent them a affidavit as well. And have called and emailed them. They stop reporting one month and then put the account and payment history back on my consumer report. Talked to agent and they said they will stop reporting to my consumer report because I have not given then consent. Consumer reporting is optional under federal law. Grain is taking advantage of me and benefitting from me. I am demanding that they stop reporting to the consumer report. 

They are violating FCRA 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I can not get them to remove my fraud alert. 
I would like for them to REMOVE the fraud alert from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Coinbase is the company Im having an issue with. My ticket number for the complaint with coinbase support is XXXX. 
They have locked me out of my account, in which I have {$32000.00} since XX/XX/XXXX at XXXXXXXX XXXX when their system experienced a crash. They have no phone support and I have contacted email and XXXX support multiples times. Each time, I get the same messages from what appears to be a bot or someone sending templates. These emails tell me to do things that dont work and never lead to resolution. They send the same responses over and over. I have not experienced any fraud, of which I informed them. There is no reason why I should not be able to access my money. To this day no real human has contacted me or reached out to me. I tried to file a formal complaint snd they punted me back to support. They are holding my money hostage and there is no way to get in touch with any human being. 
Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
Throughout the month of XXXX, I was repeatedly called by representatives of Harris & Harris Ltd. in XXXX, IL. After calling back to determine what the reason for the calls were, I was told I owed nearly {$16000.00} in tickets to the XXXX, DC DMV and that they were collecting on their behalf. I sold the vehicle that received all of these tickets in 2018. The car is not mine, the tickets are not mine.

I subsequently mailed a letter to Harris & Harris using the mailing address on their website, explaining these details with a copy of the bill of sale of the vehicle. It was mailed on XX/XX/XXXX, using USPS Certified Mail and USPS confirmed delivery on XX/XX/XXXX. The letter also included a request to close the file immediately and cease all communications with me, per my rights under the FDCPA. On XX/XX/XXXX, I received another call from Harris & Harris, again attempting to collect a debt but using the word " amnesty '' and stating that I now only owed {$5000.00}. This is clearly a fishing attempt to get me to pay whatever they can get rather than closing the file due to it not being my debt. I was advised to send an email with the same information I had previously sent in my letter. I did so on XX/XX/XXXX and advised in that email that I would be reporting the illegal activity of Harris & Harris continuing to call me after a written request not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had money withdrawn fradually by someone 30 minutes away while I still had my unemployment debit card in my wallet. Someone took out XXXX dollars out of my account and I reported it to Bank of America. They did not conduct an investigation and immediately closed the claim without due diligence. 

The money was taken out of my account on the XXXX of XXXX. I made a claim on the XXXX of XXXX, and I received a letter dated XX/XX/XXXX that my case was closed.

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 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
Constant calls from several different phone numbers but the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My brother-in-law, XXXX XXXX XXXX, passed away on XX/XX/XXXX. I was named and accepted the responsibility of serving as Successor Trustee for the revocable trust XXXX set up for his XXXX XXXX surviving child, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revocable Trust ). XXXX had a savings and checking account with Santander Bank set up under the name of the trust. I submitted a request for the funds as the successor trustee on XX/XX/XXXX. Santander Bank has refused me access to those funds saying that a prior trust account exists on their record. They have refused to provide me with any other information to help me straighten this out and have refused to provide me with any formal response regarding my request. I was told on XX/XX/XXXX that a written response from their legal team would be forthcoming but nothing has ever come. Their representative, XXXX XXXX, has provided no help or advice, has been unresponsive to requests for a formal written decision regarding the matter and has shown no concern for the fact that these monies are needed for the care of a now parentless XXXX XXXX  child. He has given me the run around time after time. This despite the fact that we agree on the following facts : 1. The accounts are titled XXXX XXXX XXXX XXXX XXXX XXXX. I am the legally established Successor Trustee for the XXXX XXXX XXXX XXXX Revocable Trust and have submitted all necessary documentation to support that 3. Although the checking account in question was set up in XXXX the savings account was set up in XXXX, after the existence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that their records show the existence of a prior trust in XXXX but will not provide any information regarding it. This is hard to believe as my sisters death in XXXX prompted the arrangement for a trust in the first place. Also, there is no one else connected to the family who could possibly be a successor. XXXX was estranged from his sister in Florida for many years and I know for a fact that his brother in California, my two sisters and brother are not named. There is no other related or interested party, period. Who Mr. XXXX intends to turn this money over to is a mystery to me and he refuses to help despite the needs of the surviving child.

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 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I went to XXXX online to see my current credit report. There was a new account as of XXXX of XXXX for XXXX that was sold to a debt collection company called Southwest Credit Systems , L.P., in Texas. I called the number on the report. The representative first inquired as to whether I was still living in Kansas. He then asked my the numbers of my address for my dads house ( which I resided at over 10 years ago ). He said I owed XXXX and that the account was last paid in XXXX. I have no recollection of any of this because it has been several years and I am a XXXX XXXX customer. Further, I had good credit prior to getting XXXX XXXX in XXXX since that time, according to XXXX, 29 accounts have been opened in my name. It is absolutely ethically and morally wrong and I cant believe we live in a world where this is even allowed to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The bank is claiming there was a fraudulent and scam check in my account, I do not hold any responsibility about this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I was conned into paying {$500.00} to process a " loan pre-approval letter '' which was also being prepared at a very ridiculously high rate. The agent did not tell warn me of any upfront fees to process the said letter. 
I was advised to send some of my personal documents and complete some disclosure documents online and it was in these documents a payment authorization was hidden which the officer said to complete being part of the process. He sent me a notice which basically says the letter is still being processed. On detecting their scam, I immediately reached out and asked the process be stopped, canceled, and demanded my money be refunded to my account. The agent in question repeatedly ignored my emails and calls and even had the audacity to send an email asking me to send more personal documents to continue to facilitate and complete the process. I again re-iterated my wishes which he ignored. I disputed the charges with my bank but in the interim will warn others to be wary while dealing with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was already promised to be paid back for an unauthorized transaction that was made on my XXXX XXXX XXXX prepaid EDD debit card therefore I thought I would be getting my money back with him to XXXX  provisional credit days a lot of from XXXX XXXX XXXX I have been on the phone 15 times in the past 10 days and they said the on the second when I initially opened up the claim about the unauthorized charges of over {$900.00} that I would be receiving it on my new card as soon as I have in my possession I would have my all my money back that is not the case they lied to me and they are keep on running me around in circles and now I'm broke and can't pay bills

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 2021-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank birching signed agreement from the first billing cycle and don't honoring promised discounts. I wasn't aware on actual prime rate published in XXXX XXXX XXXX on or before XX/XX/XXXX. XXXX  I was believed that TD bank and their employees are honest and respectful to own costumers. 
Unfortunately, it wasn't the case. After reading in major medias about prime rate changes and published rate on XXXX XXXX XXXX I find out that TD bank employees were lying and TD bank was over charging my equity line of credit account from day one for additional 0.25 % gaining substantial amount of money during the period from XX/XX/XXXX until now. 
I challenged extra charge on my equity account with TD bank representatives, unfortunately there wasn't understanding and honest approach to correct extra charge on my account. 
With this letter I'm enclosing you fallowing : 1. Copy of HOLOC agreement and disclosure statement. 
Please read page # 2, clausal # 6, explaining 0.50 % discount from published prime rate in XXXX XXXX XXXX. According to XXXX XXXX XXXX published prime rate on XX/XX/2015 was 3.25 % Please see attached copy chart from XXXX XXXXXXXX XXXX prime rate changes. 
Please Read clausal # 7 explaining Relationship discount of 0.25 %. Relationship was established on XX/XX/2015 by opening checking account and this account is active and in good standing. 
According to the agreement my starting calculating rate on balances should be 3.25 minus discounts 0.75 equal 2.5 %. Unfortunately, TD was charging 2.75 % which is higher for 0.25 %. Looking further in every rate change my account is overcharged for 0.25 %. 

2. Copies of TD bank statement : Please see attached statements showing each time when prime rate was changed and published. 
Please compare publish rate and statements which showing discrepancy for 0.25 in every rate change. 
3. Copy of XXXX XXXX XXXX chart for published prime rate change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: SC

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make any these charges or accounts. I ask that the items be deleted to correct my credit report immediately given the damage its already caused. I also reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, I'm currently in Remission so it is very crucial that i have this information corrected immediately. It is also very difficult trying to obtain a suitable financial lifestyle for myself as I've even been denied for simple checking accounts. Please delete the items as soon as possible. 


Thank in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: NC

Complaint narrative:
I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I as of late sent dispute letters to XXXX, XXXX, and Experian on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react

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 2021-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I as of late sent dispute letters to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react

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 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Aspire credit card company. 

I applied credit card. Few weeks later.on XX/XX/XXXX I got email that card was activated. I never did that so I called credit card company immediately to report someone activated the card. 
Next day and every day I get email that someone use the card. Everydtime when I get email I call them to report whats going on. 
My XXXX time call to credit card company. The representative tells me card was activated on XXXX and I reported stolen card on XXXX. 

My job was done when I report on XXXX Im not responsible for the mistake for ignoring or intentionally ignoring the necessary job. 

I called everyday since XXXX I am very surprise how dirty way to try to earn innocent customers money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: NC

Complaint narrative:
On XX/XX/2020 ; I received a verification letter of debt including contract from Mountain Run Solutions. The letter states that they will delete the account if I agreed to pay {$2900.00}. I ignored the letter until today when I discovered that XXXX had a class action law suit against them for falsify contracts. I searched hard and long for the original contract and found it today in my email. Mountain Run Solutions signed a fake signature on the the contract that they sent me. It does not match the original contract. Also the original documents I received from XXXX has someone else name on the contract. I never noticed it or paid attention to it. I also challenged this with the Credit Bureau but to no avail it was verified by XXXX. I would like the Mountain Run Solutions to be removed from my credit report and also cease XXXX from reporting any false information on any of my credit reports. I am currently seeking legal with the company currently handling the class action lawsuit but removal and the non reinstatement from any debt collectors or XXXX would be sufficient.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX turned an account that was fraudulent to XXXX collection agency. This appeared on my credit report and I immediately disputed it with all three credit bureaus. It was removed and deemed fraudulent. 
This balance has now been reported under a new name of SouthWest Credit Systems , L.P . I have disputed it again with all three credit bureaus. It has been removed by all but XXXX. 
XXXX  is required a FTC report to remove this debt. 
I never entered into an account with XXXX, XXXX or SouthWest Credit Systems. This balance does NOT belong on my credit report. Please review and provide the FTC report XXXX  is requesting so I can submit it to them. 
Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and there are unauthorized inquiries on my report that I do not know where they come from. I have tried to contact the companies but I was told to contact the credit company. The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX 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 2021-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

4. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

5. Identity Theft CAP ONE AUTO Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
Company collected a debt that I was in aware of owing. XX/XX/18

Company response to consumer: Closed with explanation