vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MCU Holdings, LLC
State: NY

Complaint narrative:
I was first contacted about this alleged debt via a voicemail from phone number XXXX on XX/XX/2020 at XXXX XXXX. The caller, who identified herself as " XXXX XXXX '' of " XXXX XXXX XXXX XXXX, '' claimed that there was a case against me submitted to her. She used this particular language to scare me, as " XXXX XXXX XXXX XXXX '' is actually called MCU Holdings. I called the number back immediately, identifying myself and telling her not to ever contact me via phone again or attempt  to collect any debt, as she was attempting to represent herself as being a legal agent, which is a violation of my FDCPA rights. Despite this being recorded on both of our ends, she instantly called me back, another violation as such rights. It is important to note that this was the first time ever being contacted about this alleged debt, and no one had ever sent me any sort of written communication telling me what is owed, who the creditor is, or even that I have the right to have the debt validated. 

Also, this is shady as well, but they attempted to identify themselves as " XXXX XXXX '' and " XXXX XXXX XXXX XXXX, '' and I only learned their real organizational name by calling after hours to get their voicemail since I couldn't find any information online about either of those entities.

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 2020-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
per complaint number XXXX bank of america was to correct info on acct ending in XXXX on all credit reporting agency within 30 to 90 days. this has not been done and acct is still showing XXXX owed and charge-off status. I have called and left voicemail with my cell phone number to contact me back 20 times with XXXX XXXX AND XXXX XXXX for over 40 calls and no reply back. this acct has been disputed over 5 times and on each occasion they have taken over 30 days with no response. which violates the consumer financial protection act. This is ongoing issue that has lasted over a year with no resolution. please also not that this acct was disputed on XXXX with not response at all in 60 days which is another violation. The complaint and request for investigation was sent to address provided by bank of america to all credit reporting agencies. It was sent via certified mail. all documentation is attached.

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 2020-05-13 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: IL

Complaint narrative:
per complaint number XXXX XXXX XXXX XXXX was to correct info on acct ending in XXXX on all credit reporting agency within 30 to 90 days. this has not been done and acct is still showing XXXX owed and charge-off status. I have called and left voicemail with my cell phone number to contact me back 20 times with XXXX XXXX AND XXXX XXXX for over 40 calls and no reply back. this acct has been disputed over 5 times and on each occasion they have taken over 30 days with no response. which violates the consumer financial protection act. This is ongoing issue that has lasted over a year with no resolution. please also not that this acct was disputed on XXXX with not response at all in 60 days which is another violation. The complaint and request for investigation was sent to address provided by XXXX  XXXX XXXX to all credit reporting agencies. It was sent via certified mail. all documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: NC

Complaint narrative:
I sent money via World Remit ( bank transfer ) on XX/XX/2020 to XXXX ; money was intended to support my family during this COVID19. Transaction amount is {$220.00}, amount taken from my checking account. I have all my records for this transaction. This was my third transaction with World Remit for the same recipient using same bank and account. Previous two transactions went well, no issues money was received on time, instantly. However, on this third transaction, money has not been received until today XX/XX/2020. I have been contacting World Remit since XX/XX/XXXX but issue has not been resolved. Long waiting time on phone, about 45 minutes or more. I exchanged several emails and online chats with their customers representatives and yet there is not a clear answer. The first time, I called, World Remit, they explained their procedure and requested me to send a bank statement of the receiver and my ID, which I did. They confirmed receiving documents and said working to resolve the case. I asked them to either release the money or refund it back. There is not any help and I feel like I have been scammed this time. Please, I need your assistance. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp account opened about a week ago. My account had reached the sending max, so it was on hold for a week to send payments. I didnt choose to receive a card in the mail for this account and I believe that was the invitation for cashapp to take my money. Upon trying to log in to the cashapp account, I received a message that my email address could not be verified, the email that had worked fine for the time period that the account was active. I contacted customer service where I only had the option to create a new account to get through to customer service. I was told that parts of the information I gave to recover the account was incorrect, but no specific details on which parts. There are no live reps for cashapp so everything has been via email. The responses are generic and prompted. I received no help in recovering my funds and when I asked since I had to use my social to verify the account if it could be used to get everything settled or if they could just send a card to the address on file so that I could take my money out, those questions went unanswered by 2 virtual ( robot representatives ). I asked numerous times. No anawer. I was then told that my case was being closed ( on day 1 ) because I couldnt provide the parts of the information that could not be verified. My money is in limbo and I fear that cashapp has no intentions of giving it back. I dont even know if Im talking to a real person or if Im just getting responses via auto reply because Ive given every piece of info they could possibly want and they wont budge. This is theft an I will not stop until I get my money back!! Cashapp has multiple reviews on these kinds of instances. The account went from verified to mysteriously not able to match information and none of this was my doing. I want to know WHERE my money is, I want to know HOW long its going to take to get it back. I want to know WHY my account suddenly became property of cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I received correspondence from Fco in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed  contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.

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 2020-05-13 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:
XXXX XXXX is on my credit report this account is not mine. This account was open by someone who stole my identity. I never gave them authority to open any accounts. I called them it goes to voice mail. No live person. I wrote to them asking where is my sign name or photo identification to prove anything. I dont hear back. This is a scam fake. This account came off XXXX XXXX and XXXX. I am fighting with Equifax. Having a hard time. This XXXX XXXX was identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I HAD NO VERIFYING QUESTIONS. USAA DELETED MY PROFILE CLAIMING THEY COULD NOT VERIFY ME ANYMORE AFTER 35 YEARS OF VERIFYING ME. XX/XX/XXXX USAA tried to take advantage of my age & disability tricking me into sending them my drivers license to RECOVER MY PROFILE they claimed. USAA OPENED AN ACCOUNT IN MY NAME I DID NOT OPEN. THEY CLAIM IT WAS OPENED BY PHONE WITH NO VERFYING PHONE NUMBER OR VERIFICATION IT WAS ME XXXX. USAA NEEDED MY DRIVERS LICENSE TO VERIFY I OPENED THE ACCOUNT. I SAW WHERE THEY WERE GOING WITH THE SUDDEN REQUEST OF MY LICENSE AFTER 35 YEARS. I DEMANDED USAA PUT THE REQUEST IN WRITING WHY AFTER 35 YEARS VERIFYING ME USING MY PROFILE I WOULD NEED TO RECOVER MY PROFILE. USAA REFUSES TO REQUEST THIS DOCUMENTATION IN WRITING. WONDER WHY IF SO NEEDED? USAA NOW SAYS THEY DO NOT NEED THE LICENSE SINCE THEY WOULD HAVE TO PUT THE REQUEST IN WRITING. HUH? I DO NOT TRUST USAA. I AM AFRAID OF THEM AS I WOULD BE A CRIMINAL. USAA PROVIDED FRAUD CREDITS {$460.00} XX/XX/XXXX FROM FRAUD OF XX/XX/XXXX. TWO YEARS LATE!! XXXX USAA DESTROYED MY EXCELLENT CREDIT COLLECTING ON THIS ID THEFT. I WILL NOT ALLOW MY HEALTH TO BE DESTROYED FROM USAA ABUSE AFTERMATH OF THE LACK OF ID FRAUD THEFT RESOLVE ANYMORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
So I had 2 late payments in XXXX due to corona virus I have sent in several complaints and this employee XXXX think she is god and the only person I can talk in customer advocacy just piles all my complaints and no else never looks at my requests to get these removed they know they were due to corona virus and no one will lift a finger help this XXXX just closes out all my complaints she thinks she is god and the one person thst works at Capital and she is very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

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 2020-05-13 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2020 Santander Consumer USA debt collection agency responded to my initial complaint CFPB Case No. XXXX which references an alleged debt that I consider to be be false and inaccurate. I demand Santander Consumer USA produce the original service contract with my signature, written by my own hand. Also, as stated in USC 1605 Truth in Lending USC 1605 a ( 5 ) Finance Charge explains what is supposed to be included in the finance charge. ( 5 ) Premium, or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss. 

What I deduce from this excerpt from Truth In Lending is that insurance is supposed to be included in the finance charge. Based off of my exhibit ( s ) that I have attached, I prove that insurance was not included in my finance charge which constitutes fraud, and fraud trumps any solemn contract. 

I also was never offered any insurance before purchasing, or upon completing paperwork taking possession of the vehicle from XXXX XXXX instead I received an email two days later encouraging me to get insurance for my car through the XXXX XXXX. I never signed to decline coverage which I would have to be offered in the first place to do so. As shown in my exhibit the dealer created a computer generated name and birthdate where my signature would have gone. 

Also I did not write D  as it is written on Santander Consumers USAs copy of the original service contract which I have the original in my possession. The letter D is not written in my handwriting and is not in cursive, which is forgery and I do not appreciate this or take this lightly whatsoever this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My tax refund of XXXX and my stimulus check XXXX went into another account off by one number I told them it should have never went into another person 's account should have bien rejected and sent back to it's they told me account holder spent it already and it was my mistake sorry but your money is gone we can't do anything call IRS

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am trying to access my free credit report. I have not been able to get access for several years and I am concerned about what may be occurring. I need help with this matter.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to access my free credit report. I have not been able to get access for several years and I am concerned about what may be occurring. I need help with this matter.

Company response to consumer: Closed with explanation