vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the XXXX and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
Please add this to complaint XXXX On XX/XX/XXXX, I spoke with XXXX XXXX XXXX Midfirst. She viewed my proof of occupancy ( electric bill ) and said she would contact XXXX property management group to change my locks back. I came home to the keys in the mailbox ( anybody could have walked in ) and the locks still not changed back. They still went on my property and winterized it on XX/XX/XXXX. They are purposely interfering with me selling my property and trying to steal it. 

I received a call from XXXX at a company called XXXX XXXX. They asked if they could come over, look at the house, and make a cash offer. I said sure, just go through my realtor. She said they only buy property from owner and do not buy property that is listed. My house has been listed since XXXX. The only way they got my contact information is from MidFirst or XXXX property management group selling my information. XXXX XXXX did not even know it was officially listed. More proof MidFirst and XXXX are trying to steal the house. 

Midfirst calls everyday and all that is needed for mortgage assistance is proof of purchase offer. We are actively trying to sell it. It's very harassing and I am not being given a fair chance to sell it for profit I deserve.

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 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is going to be a long one. XXXX XXXX assigned my loan to XXXX XXXX XXXX but i have been paying another company to pay off the loan or debt. diversified XXXX XXXX is the company. i found out they are a scam. i tried to get this resolved through transunion by having a dispute filed. XXXX says the account is still legit and owed etc. someone is lying to me. i want transunion to know that diversified XXXX XXXX stated the account is now closed as per their CFPB response to me on XX/XX/2021

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 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I got a text that I have just been offered a job and was told I was going to be sent a check to purchase vendor materials for a job, I got a check in the mail the check looked original to me because it came from a bank, I deposited the check into my account and some money appeared and I was told by the job to transfer money through XXXX and XXXX XXXX to different people who were alleged vendors after this happened the bank told me it was an empty check and I have been transferring out my money all these while.

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 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I bought XXXX XXXX from XXXX and after I buy I got valid wallet address for receiving from coinbase Exchange for XXXX XXXX and sent XXXX coins at that wallet address of coinbase. XXXX sent the coins and they got stuck at XXXX XXXX. 
CoinBase Now saying that there network is not supported to that wallet address. How can they say like this when they giving me wallet address for sending and receiving the coin.if their wallet not support they should not give wallet address for receiving/sending in their exchange. I can see my coins lying in XXXX XXXX but XXXX can not move them to Coinbase Wallet as their wallet address do not support. Like me there are hundreds of people also loosing money because of Coinbase Exchange Mistake. 

Please Help me to Resolve the issue with coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This has been an ongoing dispute with Capital One bank since XX/XX/XXXX. 
After noticing a {$3500.00} withdrawal from my account and notifying Capital One of this fraudulent transaction, I received a letter dated XX/XX/XXXX stating that this was a valid transaction and that my claim was being denied. ( I closed the account on XX/XX/XXXX. ) The letter also gave a number to call to " request any documentation we used to make this decision ''. After numerous attempts to get through on this number and 45 minutes on hold finally got to speak to a person. My request at this time was to be sent all documents used to determine their decision which " denied the claim of fraud ''. 
After 23 minutes on the phone and supplying all requested information i.e. account number, personal info and claim number was told this information would be mailed to my home address. After one month had passed and I still had not received requested documents I enlisted the help of my niece who was able to find an e-mail address for complaints and sent another request for documents through this Capital One complaints email address. Finally received by mail another " denial of claim '' letter dated XXXX XXXX which included a list of transactions from someone's bank account showing how my money was moved into their account. However, it did not include the most important information which should be the only reason to deny my claim and that is the " signed authorization '' indicating that I gave permission for someone else to use my account. This obviously does not exist. 
After numerous other calls, emails and faxed correspondence I was sent an affidavit to sign stating that I never gave anyone permission to access my account. Signed and faxed this form the same day and called to confirm and was told that it was in fact received. It has been three weeks since I sent this document and I still have not had a response. 
All information, including account statements, previously sent and received correspondence, etc can be provided on request. Please note that I am a XXXX XXXX XXXX man in poor health and do not need this ongoing stress. I am hoping you can assist in getting my money back from Capital One bank. Also of note I made many personal visits to numerous Capital One branches over these past few months and was unable to get help from anyone. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have asked Care Credit to send me a replacement card, as my other card was destroyed. I have made this request now on XXXX seperate phone calls and XXXX emails. Everytime I call they say they will send out a card, however it is now 2 months later and they still have not sent me any card. The last time I called the man said there was a techinical error and put me on hold for XXXX hours. 
It is now 2 months I have not had a card, nor have they sent me a new card. 
I am requesting my new care credit card be sent to me asap. as my old card was destroyed. 
my social is 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 non-monetary relief
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a XXXX XXXX from Wells Fargo in my name and sent to my address. I never opened any account with Wells Fargo. I phoned Wells Fargo on XX/XX/XXXX and again on XX/XX/XXXX to report that the account was opened without my knowledge. Wells Fargo stopped any use of the card and I spoke with their fraud department. They looked and concluded it was online fraud.

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There is a bankruptcy showing in public records that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is a bankruptcy showing in public records that does not belong to me

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is a bankruptcy showing in public records that does not belong to me

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a AMEX XXXX card which had a small balance of around {$4000.00}. 

During some software update pushed to me by AMEX all of my payment notifications were turned off. 

I have never turned any of my payment notifications off in prior 4-5 years, ever. 

I explained what happened to AMEX and at first they attempted to say it was I who turned off the notifications. I proved that I use biometrics to login so only I or they could have changed it. I also said that I believe one of their software updates, may have been the culprit but either way I was not responsible for any changes to my notifications and therefore should not be charged any fees or penalized. 

I believe being caught they then magically removed the late penalties. 

They then froze the rest of my accounts that are either XXXX or current out of vindictiveness. 

I spent 14 hours of text messaging with numerous folks and finally got a person who agreed to upon full Platinum card payment balance all my accounts would be restored to their original status. 

Amex agreed. 

Also to remove any current or future penalties, credit report issues ( which they threatened me via email. ) Amex agreed. 

Upon payment the other unrelated accounts were restored, the platinum account still had a late payment notice although a XXXX balance. 

I text to them please restore my account per our agreement last night it still has a late payment notice although it is $ {$0.00}. 

Then he asks a curious question, " what do your future spending plans for this? '' I said, '' I don't know and I don't want to deal with this now I just want the account restored to its original state per our agreement last night. '' The the amex messaging app died again ( you have to constantly refresh Amex 's messaging app or your will miss parts of your message stream ) The only part I initially saw was " Great everything has been fully restored, your message should go away in about 1-2 days '' The part I didn't see is where doing the messaging app refresh the guy arbitrarily sets my limit to XXXX although I told him no and that that wasn't part of our agreement. 

Luckily, a few minutes later I went back through the full messages where he changed it right after I told him no. 

I go back to the messaging app and tell them that that guy arbitrarily set an amount from his head even after I told him no and that that was not a part of our agreement. 

They've been paid in full and I want my credit restored to it's original form as per our agreement. 

Unbeknownst to them I have documented all of this, and can prove every point, including now that AMEX does make unilateral decisions about peoples credit and account without their permission or in this case when they are told no.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: UT

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Employers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  ran my credit on XX/XX/2021 I did not request this and I do not have an open line of credit with this company.

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM. consumer XXXX XXXX  XXXX. I have rights that protect me, and I know that equifax company policy does not have jurisdiction over federal law. upon checking my consumer reports I see that Equifax is furnishing my information without my written consent pursuant to 15 USC1681 ( b ) ( 2 ) permissible purposes. this section states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Equifax does not have my written permission. I demand deletion of the tradelines listed below XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXs XXXX. 
No consent is identity theft. Equifax is committing federal crimes and utilizing my intellectual property with out my consent. Equifax is sharing my personal information name, address, and social security number, account numbers etc. You are a data collection agency you are an alleged bureau, and have no rights. Pursuant to Truth in lending act 15 usc 1601 103 definitions and rules of construction ( b ) BUREAU -- the term Bureau means the bureau of consumer financial protection. I demand that these tradelines be deleted immediately. violation of these laws will result in civil liabilty to 15 usc 1681 o. pursuant to this section any person negligent in failing to comply is liable to any consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure, and attorneys fees. deletion of the requested tradelines will avoid me resulting in taking further steps due to nature of the offense that is currently taking place against consumer XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I received a bill on XX/XX/21 by XXXX XXXX The law offices of Mitchell D. Bluhm & Associates , LLC Attorneys at law for the amount of {$770.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX  for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

& 3. ) Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, I Used XXXX XXXX via XXXX to pay XXXX ( XXXX XXXX ) Transaction number : XXXX The payment was for the first month rent and security deposit for an apartment listed on XXXX XXXX. The supposed " owner '' of the property was XXXX XXXX XXXX phone number ( XXXX ) XXXX. It turned out to be a complete scam. XXXX and XXXX have no connection to the apartment or building address. 

XXXX opened a XXXX fraud investigation case, but there is nothing more they can do to get my money back, or at lease FLAG the XXXX XXXX account as a scammer.

Company response to consumer: Closed with explanation