vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
At approximately the beginning of XXXX, I reached out to US Bank to refinance my home mortgage. Because the interest rates had dropped, I thought that this would be a good time and I could lock in a 20 year loan for the same amount as my 30 year loan. I began the process with them immediately. By XX/XX/XXXX, I'd received some follow up communication, which implied the appraisal had come through. I sent them an email on XX/XX/XXXX because I wanted to see the appraisal. On XX/XX/XXXX, I received an email that I could view the appraisal, which I did. On XXXX, I sent an email asking if their refinance would be processed in enough time for me to keep the rate they had locked me in at when I applied. On XXXX, they told me my loan was still with underwriting in the initial review. On XX/XX/XXXX, I was asked for additional information, which prompted me to send two emails and to make a phone call. I finally spoke to my loan officer and asked about an amount of money they were wanting statements for, why I couldn't get ahold of anyone, and what was going on with my HOA ( my HOA requires a fee for a refinance which the loan officer was not aware of and even argued that it wasn't normal for them to do that, but I've refinanced on this home before so I am 100 % certain it's required ). The loan officer FINALLY increased the loan amount on XX/XX/XXXX ( had asked her on XXXX ) so I wouldn't have to pay cash at closing. On XXXX, I was told they had emailed my insurance company to switch the information over to US Bank. The processor implied that my insurance company was making them wait. I've worked with the insurance company for over seven years and they are extremely efficient so I knew it wasn't them holding this process up! On XX/XX/XXXX, I emailed the loan officer asking if this refinance is going to be finished before my XXXX mortgage payment is due. That we are now on THREE months for a refinance. THREE MONTHS! I have bought 4 homes and refinanced this one before so a total of 5 closing experiences not counting this one. In all of those times, not once did the process take over a month. I honestly want out of the refinance at this point but they've already charged me their fee and with their lackadaisical approach, I'm sure there are papers floating around everywhere half finished. If it takes 3 months to do the paperwork, I have no doubts that something will be wrong. The processor already spelled my name wrong and I had to correct her on that. That is literally her only job. I have been a loan processor before.

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 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Trident Asset Management has reported a alleged debt on my credit reports. I have no knowledge of this alleged debt as i was a victim of identity theft. I have sent a letter for debt validation and have hot received a response. I also believe this alleged debt is past the collection statues of seven ( 7 ) years. Trident Asset Management is in violation of the Fair Debt Reporting Laws and the Fair Debt Collection Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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:
FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} DEPT OF ED/XXXX {$0.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$11000.00XXXX XXXX XXXX XXXX XXXX {$8600.00} US DEPARTMENT OF EDU {$18000.00}

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 2020-07-25 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: Radius Global Solutions LLC
State: PA

Complaint narrative:
Someone is using my credit. This person have caused my credit to dropped down 43 point. I do not know this individual. I just started building my credit for the past months now while someone is damaging that Im building up. This person is using my credit in a different state and Im in different state. If this person is not stop now, Im going lose all of my credit that Im fighting so hard to build up. I need this fraud to be held accountable for such behavior. 

This is the information of the fraudster that is using my credit. 


RADIUS GLOBAL SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$420.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/XXXX {$0.00}

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The account is closed and I have tried to pay it off, but XXXX 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining my credit 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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XXXX of 2020, my identity was stolen and accounts were opened falsely in my name at several institutions. Every institution did what they needed to do to close these accounts EXCEPT HSBC. I have spoken to HSBC on at least five occasions. Reference # XXXX Despite receiving numerous statements and bills, each time I spoke to HSBC, I was assured that the falsely-opened credit card would be closed down and the credit bureaus would be notified. Today, I received yet another letter billing me for {$30.00} past due on this same card. I am afraid that HSBC will damage my credit because of their incredible incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX  WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX  OR FACE CLASS ACTION LITIGATION.

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 2020-07-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a bankruptcy in 2014. This account is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, innovios, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, Sagestream, XXXX, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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 of {$0.00}. 
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 Landing 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 XXXX, 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. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX OR FACE CLASS ACTION LITIGATION.

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 2020-07-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
By letter dated XX/XX/XXXX enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) continue to falsely imply that I defaulted on my mortgage loan as of XX/XX/XXXX, and continue to pursue an illegal foreclosure by falsely declaring the same, when at all relevant times : said claims of default in your communication and set forth within pleadings filed in Docket No. : XXXX contradict the claims of default as of XX/XX/XXXX made in Docket No. : XXXX, a true copy of the latter is attached hereto as Exhibit B ; said claims falsely imply that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and said claims deceptively conceal approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX with approximately $ XXXX being cashed by PHH 's predecessor, true copies of which are enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX   XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Lastly, XXXX and PHH are withholding and not providing me with a monthly statement for my mortgage loan for the payment due as of XX/XX/XXXX. 
In closing, the conduct set forth above constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the XXXX XXXX XXXX on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/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 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
ON XX/XX/2020 I ordered a bike from XXXX XXXX XXXX through PayPal. After I ordered it I saw online that this company was a scam. I contacted PayPal to cancel the order and stop the payment. They denied my claim because they received what was a bogus tracking number. I told them this and that the phone number on the invoice was also bogus but so far they will not refund my money. XXXX  XXXX XXXX said they couldn't help because it went through my checking account directly. This is the info the company provided. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Moneylion has reported a alleged collection to the credit buraus for a alleged debt that I do not owe or have any knowledge of as I have been the victim of identity theft. I have sent a letter for validation of this alleged debt and have not received a response. Moneylion is violation of the Fair Debt Reporting Laws and the Fair Debt collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to place a freeze on my credit reports. This was easily done with XXXX, I flubbed the verification question with XXXX  so they are sending me a verification code via the USPS, but Experian simply refused to let me submit the freeze online. 

On XX/XX/XXXX, I made multiple attempts to freeze my credit report with Experian. After entering basic data ( name, SSN, DOB, address ), Experian sent me to a page that said I had to mail in the information, along with a copy of my driver 's license and a utility bill or bank account statement. I was never asked verification questions, so it was not that I failed a part of the process, Experian is simply making it more difficult for me to get my credit report freeze. This certainly goes against the intent of the law, and may be illegal. This action is even more egregious given Experian 's historical failure at protecting credit data and continued access to my credit information. 

I request that Experian not be allowed to access my data going forward, and they should be fined for their malfeasance in blocking my attempt to freeze my credit 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 non-monetary relief
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I was not contacted by Radius Global Solution, in the amount of XXXX and the amount in collection was handled in a settlement with XXXX hospital. This is also a violation in my HIPPA RIGHTS and HIPPA LAW. I request for my personal information for this collection matter to be removed from all three credit bureaus ( XXXX, XXXX, and XXXX  ) as a violation of my rights. Also due to the creditor never reaching out to me and the amount being settled with hospital.

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 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
In early XXXX, 2020, I tried to access my Coinbase trading account on-line. I had lost my mobile security authenticator application and was denied access to my Coinbase account until I re-verified my identity. Over the next few weeks I tried unsuccessfully to verify my identity using their on-line instructions and program. I tried several times to contact their support personnel but the only answer I received was to " try again '' and to use their on-line trouble shooting information. Their instructions made it necessary to have a web camera to take a personal picture. I had to buy a web camera and again tried to follow their instructions. Whatever I tried never worked and I have not been able to access my trading account. On XX/XX/2020, I sent a letter to Coinbase asking for their assistance XXXX letter attached ). I have not yet received any response from them. I continue to be unsuccessful in satisfying their requirements to reestablish my identity using their on-line information and, continue to get no help from them.I tried again several times today ( XX/XX/2020 ) with no success. 
I have no idea what else I may do to access my trading account and I continue to get no help from Coinbase in my situation. I am asking for your intervention to get support from Coinbase to access my assets. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: MD

Complaint narrative:
I submitted a dispute to Transunion to remove the delinquencies that should not be on my US Dept of Education account. I have been a student since 2011 and my student loan payments have been in deferment since then. I called XXXX and they have said that they did not report these late payments. Transunion is also showing late payments from XXXX on my account. I submitted a dispute for that as well. XXXX did not process my payment then closed my credit card for no reason which they have already admitted to doing. During the period in which I called XXXX several times to correct this problem, they continued to fraudulently report late payments to the credit bureaus. Knowingly giving false information to the credit bureaus is illegal. Once I submitted a complaint to CFPB, a research analyst in XXXX 's executive office told me that they sent requests to the credit bureaus to remove those late payments. They are still on my credit report with the exception of 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