vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
got a letter saying that I would revive my unemployment card in 10 business days and it has been 3 weeks already

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 2021-03-18 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: VA

Complaint narrative:
I have asked TransUnion LLC to investigate seven unverified accounts. After waiting within the 30 days for a response they simply stated on my credit reports that the consumer has disputed and then state that the account was verified. I received no such documentation proving TransUnion investigated this issue as requested. I received no signed documentation whatsoever or any proof of any investigation taken in regards to any of the seven accounts i have disputed.

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 2021-03-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concerns, Account # XXXX I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. 

How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, 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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concerns, Account # XXXX I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. 

How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I enrolled HOME CHEF rewards at AMEX Platinum. The offer is spends XXXX dollar at homechef for get XXXX $ credits back, it can get up to three times. I spend {$160.00} in total from XXXX 2021 to XXXX 2021. I also received the email from AMEX on successful redeemed the offer. However, I still do not received anything till XXXX. 

Usually, the amex rewards is very fast and only take 1 day. 

I did call the AMEX agent around XXXX month end, but the agent only confirm the offer and can not provide an exact date due to the technology issues. 

I chat with AMEX on XXXX again, the first agent confirmed the offer but also mentioned a tech mistake related to rewards. He suggest me check back in XXXX business day and mentioned that he can not issue the credits although he confirmed the rewards. He escalate the issue to the supervisor XXXX. The second person XXXX is very rude and slow. He start to questioned about the qualifications of the rewards, he is concerning whether I am qualify for the offer. He copy the terms ago and said I only spend XXXX $ each time. However, I received the email from AMEX for the rewards and the agent I spoke with both confirmed the eligibility of the rewards. The supervisor seems not knowledgeable enough to qualify as a supervisor. He also does not willing to issue the credit to me today although the offer is already passed for 1 month. 

I am confused and feel very unhappy about the supervisor 's behavior and client management responsibility. He does not have enough business knowledge about the credit card rewards term also try to make excuse to the clients and even misleading the clients. I already marked two reminders in my calendar to reminds reach out to AMEX. Both two agents suggest me contact back AMEX in 3-5 days instead of provide credits immediately. It create tons of work and inconvenience to the clients. I have to remind myself for the unpaid credits rewards from AMEX. 

I am requesting AMEX to issue the credit back to me ASAP and make apologize for the inconvenience as well as the very rude, and unprofessional behavior for the " supervisor ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Form 1098 for 2020 we have received wrongly reflected the " outstanding mortgage principal '' as of XX/XX/2020. Instead it reflected the balance which was in the beginning of the year not at the end as it was supposed to do. When I visited the local branch lady called somebody and told me that it is the way Citizens Bank reflects the balance which is wrong. When I asked her for her name she refused to give it to me but wanted to give a lecture which I refused to listen to. This is the second time we filed complaint about the way Citizens Bank reflected the outstanding balance of the mortgage principal. Until today the bank has not fixed the balance we complained about before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I applied for mortgage assistance on XX/XX/XXXX thru Mr Cooper. I was denied on XX/XX/XXXX the reason Mr Cooper told me verbally was, they stated the file was denied because I received a modification in XXXX, then again on XXXX, which both those years are correct the problem is they stated the investor only allows 3 modifications in the life of the loan, I only received 2 but they claim since I submitted for one on XX/XX/XXXX and declined me that submission on XX/XX/XXXX counted as a modification therefor my modification options have been exhausted. 

Even in the denial letter which I had to ask for multiple times and never came in time so I can appeal, I have attached the denial letter. 

I asked for assistance due to the death of my husband but Mr Cooper is refusing to help me, I am concerned of loosing my home due to the fact.. Mr. Cooper will not properly give me the opportunity to get current. I've asked for Mr. Cooper to place the amount I owe to the end of the loan and leave my rate and payment and terms the same simply to allow me at least for 1 year to make payments on time so I can refinance out of this loan but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CO

Complaint narrative:
In 2019 I was contacted by Federal Loan Servicing and told I qualified for student loan forgiveness. I went through their application process under the impression I would have majority of my loans forgiven. It was a scam. They charged me {$8000.00} and set me up on a payment plan I can't afford. I didn't realize this practice was illegal when it happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 explanation
Consumer complaint received 2021-03-18 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: USCB, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Collection Consultants of California
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: ERC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: AK

Complaint narrative:
I am trying to un-freeze my credit so I can apply for a Home Mortgage. I have been successful with XXXX & XXXX. I am unable to get my account un-frozen with Equifax. I tried to unfreeze my account starting Friday XX/XX/XXXX on line. This was unsuccessful and I was instructed to contact customer service for help. I called customer service for help at XXXX on Monday XX/XX/XXXX and was told that their system was updating and to call back in 2 hours and they would be able to help me. I called back every two hours for the next 8 hours, still the same answer. On Tuesday XX/XX/XXXX I tried online again and received the same error message. I contacted them again and was given the same information that their system was updating and that they did not have access to it to help me. I asked for the supervisor and spoke with a women that I could not understand very well and asked for her name which she refused to give me but told me when asked there was no one above her and she ran the Global Equifax Corporation. I called again today Wednesday XX/XX/XXXX and received the same information that their system is updating and they don't have access to un-freeze my account. As a side note my husband was able to un-freeze his account on Monday the XXXX and can still log into their system on both the XXXX & XXXX. Subsequently I lost my 2.5 % interest rate lock for my mortgage refinance. I am at a lose and don't know what to do. Who do I get my Equifax account un-frozen? I asked them to delete my account so I could obtain a new one and again was told they don't have access to any system that would allow them to do that. I feel like my account is frozen for life. This has had a negative financial burden for me and I'd like to get it resolved. Can you please advise me what steps I should take next? Thank you for your assistance. I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc
State: VI

Complaint narrative:
In XX/XX/XXXX we applied for a mortgage using our mortgage broker - XXXX XXXX through Capital Mortgage of Texas- NMLS # XXXX. Our mortgage broker and I supplied all requested documents and was approved for a loan. We had multiple extensions due there request for updated information from the HOA ( purchasing a condo ). Yesterday Capital Mortgage informed our broker that the loan was denied. The reason was that the HOA budget for XXXX and XXXX were in different fonts and the XXXX budget had over a million dollars added to it with no explanation. Our broker told them they would provide supporting information regarding the HOA funds, and explained the money was from an insurance settlement from the XXXX Hurricane. Capital refused to accept this and stated the loan was denied.

Capital Mortgage had the documentation for several months. They have now cost me over {$10000.00} in unexpected rent and fees to move forward with loan ( application fee, appraisal, inspections, credit report, etc ). I believe this predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: DC

Complaint narrative:
The company Binance US is a Crypto Currency Exchange company where you can buy Crypto Currency. They are holding XXXXXX/XX/XXXX coins and XXXX XXXX coins since XX/XX/2021. I have put in multiple tickets with no fix since that date above. I have paid all fees and also did account verification with no fix in site.

Company response to consumer: Closed with explanation