vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard, LLP
State: HI

Complaint narrative:
I went to trial with XXXX XXXX from Nelson and Kennard who is a debt collector on XX/XX/2021. I forwarded my identity theft affidavit to plaintiff, showing that I was a victim of identity theft and it is a fraudulent account. The lawyer never presented a binding contract with my signature and the signature of the authorizing agent per FDCPA SECTION 809 [ 15 USC 1692 ( g ) ]. The plaintiff is now filing another frivolous complaint against myself on another debt from XXXX XXXX XXXXXXXX which is a fraudulent account also. This is also filed in my identity theft affidavit, which is reported to the FTC, all three credit bureaus, and filed with the XXXX Police Department. I would like the harassment to stop. If they can not provide a binding contract that I owe them or XXXX XXXXXXXX XXXX. I will file a counterclaim against Nelson and Kennard for filing a frivolous complaint against myself for a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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:
Both equifax and XXXX show an illegal credit card account opened on XXXX XXXX, by XXXX in my name that shows on my credit report. I took all the proper steps in XXXX to report the illegal use of my identity from making all the calls, making a police report and freezing my credit. 
My credit score which before all this was around XXXX, now it is still showing XXXX and XXXX. When is my credit score, that was hurt greatly after closing the illegal account by 11 points, going to be fixed???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint is regarding PHH Mortgage.

I received a check from PHH Escrow Analysis Department on XX/XX/XXXX with the check number XXXX. The value of the check is {$6700.00}. 

I forgot to cash this check that time. 

I have been working with XXXX since XXXX, XXXX. Up to this point, I have not been able to get this check reissued. 

I called on XX/XX/XXXX, spoke with XXXX, ID # XXXX. He promised me he will take care of this. 

I didn't receive any check, by XX/XX/XXXX, I called again, and spoke with XXXX, ID # XXXX. I got the same promise. 

I didn't receive any check, by XX/XX/XXXX, I called again, spoke with PHH representative whose ID # is XXXX. I requested to speak with supervisor, and I was transferred to XXXX, ID # XXXX from PHH 's Escalation Department. XXXX requested me to email him details of this check and he promised me he will take care of this. I emailed him with a scanned check image on XX/XX/XXXX. 

I still had not received my check by XX/XX/XXXX, two weeks after the last call. 

By XX/XX/XXXX, I called XXXX again with his extension, XXXX. There was no answer, I was transferred to XXXX, ID # XXXX. XXXX told me that my check was issued on XX/XX/XXXX with check number XXXX. XXXX also told me I should anticipate the check in about 10 days. 

By XX/XX/XXXX, I still had not received my check. I called again, spoke with XXXX, ID # XXXX, this call was somehow disconnected. I called again and spoke with PHH representative, ID # XXXX. He promised me that he will check with the Escrow Department and will call me back on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from XXXX, ID # XXXX. He requested me to wait until XX/XX/XXXX. If I still have not received the check by then, he would send an overnight mail with my check on XX/XX/XXXX. 

I still had not received the check by XX/XX/XXXX. I called PHH again on XX/XX/XXXX, and spoke with XXXX, ID # XXXX. He promised that he will reach out to XXXX. He also told me PHH should be able to issue an overnight mail with my check with no problems. 

By now, It has been 3 months since working with PHH to get my money back. I still have not got anything. 

Thus, I am submitting this complaint to CFPB now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX, I deposited a physical paycheck from my employer due to my employer stating they had issues with transition to a new bank & it was going to unexpectedly cause an issue with direct deposits for this check. I was given my check by my employer and deposited it into my checking account ; there is a history of a direct deposit from this same employer with no issue previously. I received an email that Huntington Bank was holding my funds due to no history of dealing with this employer, even though in my bank records there is a history of a deposit from current employer two weeks earlier. I showed proof of this and Huntington refused to listen and stated that this was not enough proof, even though they acknowledged that it was the same employer, I have no history of fraud on my accounts and the money from my direct deposit from my current employer cleared without an issue. When I asked for them to at least release {$200.00} of my check, they continued to refuse and stated the hold on my check wouldn't be released until a week later, despite their acknowledging that there was a previous deposit from current employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/2021, I tried to transfer funds from my Square merchant account to my bank account, as I do normally. I got an error message that said, " Instant Transfer Unavailable : We were unable to transfer funds. Please visit our Support Center for details ''. I didn't even initiate an Instant Transfer. I chose the standard, 1- 2 business days. I visited the Support Center, a very broad, general resource. I went through all channels of communication they have available. There is no phone line. After submitting the " email '' option by way of a parameter text box on their website, it says that you will get a response in 24 - 48 hours. Four days later, I decided to submit another email through the website. I have yet to get a response. 

After going to XXXX, I realized that this is happening to a number of small businesses. Square is withholding funds without any notice or response to the matter. Some business owners have said that their balance now says XXXX as their balance. Mine currently has {$1600.00}. 

I would like access to my funds immediately before mine shows as a XXXX balance. Please, please investigate Square now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of ( {$10000.00} ) the collection has been reported as past due ( XX/XX/2018). I do not know this company. I have never done any business with this company. This company does not have a binding contract with my signature on it from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to file a complaint regarding an unresolved dispute for a purchase of counterfeit items from a seller that both financial institutions involved, Wells Fargo and XXXX XXXX, refuse to remedy. The Wells Fargo debit card purchase of {$650.00} was conducted between me, the Cardholder, and the Seller, using XXXX XXXX as the intermediary platform, posted on XX/XX/XXXX. This case consists of a direct debit card purchase transaction, and not a XXXX XXXX balance transfer, qualifying it for Cardholder protection. 

The items were received on XX/XX/XXXX and were confirmed to be counterfeit. I reached out to the Seller to request a return and refund ; seller opened and viewed my message ( blue check mark ) and proceeded to block my number ( single gray checkmark, no last seen in contact info ) Despite carrying the ability to reverse this fraudulent transaction involving a purchase of counterfeit items, both Wells Fargo and XXXX XXXX refuse to take accountability for the abuse and exploitation occurring on their financial platforms even after numerous contacts and appeals.

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 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
Hello, I was recently checking my credit report via a credit card application on my phone. I had noticed a discrepancy a new negative account was opened so I decided to check it out and it said that there was a charge-off / collection flagged on my account for XXXX and now apparently XXXX. The issuer of this flag is State Collections. I noticed that the original alleged the owner was XXXX  XXXX XXXX XXXX. I have since used this very same consumerfinance.gov website to make a complaint about them as well. I tried to verify the debt and it is not matching up with what is listed on my report and what XXXX  XXXX XXXX XXXX  specifically XXXX  XXXX XXXX XXXX in XXXX Illinois stated. They stated that they sold the debt to a collection company ( State Collections ). I have received quite literally nothing whatsoever indicating that I had any debt and this hospital has my current information so I do not understand. The hospital in question had stated that there was allegedly {$150.00} in delinquent co-pays. I tried to work with them to investigate the debt but XXXX  XXXX XXXX XXXX part of XXXX XXXX XXXX XXXX, did not seem interested. On my credit report the alleged debt that they purported to have sold to State Collections is listed as {$90.00}. Not {$150.00} I am wondering if this company now is holding something back and if I dispute this that they will place another flag on my credit. I truly believe this to be a huge misunderstanding as I have not been late on a single debt in my life. Although with all the aforementioned information provided, I did make another CFPB report for XXXX  XXXX XXXX XXXX, and I am to make another about this company State Collection as I believe this listing is invalid and even if it were the alleged amount, the amount is incorrect and they may further damage my credit. I have likewise received absolutely no correspondence, alerts, mail or phone calls from anybody at State Collections about owing this and I am extremely upset about this entire ordeal. I have worked hard to maintain a great credit score and to get it damaged for something that I wasn't aware of or is happening by mistake is horrifying Perhaps there is an accounting error, perhaps sent to wrong address, or perhaps a bad SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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:
I have tried to get equifax to update the balances on my accounts. I have paid everything off and they continue to show a balance on several accounts. They are at least a month behind in correcting this information. If I was a month behind on a bill, they would destroy my credit. If they are a month behind in reporting, they destroy my credit. They can do anything they want and claim that the companies arent reporting to them. They are offering this service and they are past due on their performance. I think I should be able to send them a late fee. This is ridiculous and it should not be permitted. We need more regulation of these sloppy, poorly run, inefficient, untrustworthy companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Balance : {$170.00} This is a formal complaint against XXXX, Experian, and XXXX. I have checked my credit report again today to check the status of the accounts ' dispute results and to my dismay, I still see these accounts reporting inconsistent information on my credit report. I have disputed this with the credit bureaus and now I'm on my fourth letter with them and this is still not resolved.

I have also disputed this account directly with the collectors and none of them are responding to my letters or taking any action to properly validate and correct the reporting of the account. This is a clear violation of the FCRA, any accounts that are reporting inaccurately must be removed from my credit file if credit reporting agencies are unable to correct or report the account 100 % accurate.

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 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2021 Capital One Bank illegally confiscated funds granted to me, ( XXXX XXXX XXXX ), by the Alabama department of labor via a closed account. I wasn't notified and contacted them XX/XX/2021. The issue was not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12 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: TN

Complaint narrative:
Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Balance : {$170.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have checked my credit report again today to check the status of the accounts ' dispute results and to my dismay, I still see these accounts reporting inconsistent information on my credit report. I have disputed this with the credit bureaus and now I'm on my fourth letter with them and this is still not resolved.

I have also disputed this account directly with the collectors and none of them are responding to my letters or taking any action to properly validate and correct the reporting of the account. This is a clear violation of the FCRA, any accounts that are reporting inaccurately must be removed from my credit file if credit reporting agencies are unable to correct or report the account 100 % accurate.

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 2021-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TX

Complaint narrative:
Company sent a notice out XX/XX/XXXX to collect debt for XXXX XXXX- in the amounts of A {$370.00} and {$19.00} -- -- -- account number appears on letter XXXX we settle the account and sent a check to the company XX/XX/XXXX Check was cashed ( check # XXXX ) by this company We get another notice for the same account in the amount of {$760.00} with the same account number XXXX They have collect the payment to settle this account now they want to settle the account again for a different amount. 
Service were render over a year ago ( XXXX ) with XXXX XXXX, payment was made and account settled This is called double dipping, unfair business Collections Practices which is in violation of law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TX

Complaint narrative:
The bureaus are still reporting inaccurate, incorrect dates as well as amounts. Im seeing that theyre saying they did investigations, but if the dates & amounts are all inaccurate on the charged off accounts then due to the FCRA these accounts must be deleted from my credit reports. 

The XXXX XXXX account was also paid off & the bureaus are still reporting that this account is owed. Ive also sent proof from my checking account as well as my XXXX XXXX app showing that this has been paid off. If the bureaus continue to report this inaccurate information on the accounts that I have sent over, I will be left with no other choice but to take legal action for not only defamation but violation of the FCRA

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 2021-09-12 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 still reporting inaccurate, incorrect dates as well as amounts. Im seeing that theyre saying they did investigations, but if the dates & amounts are all inaccurate on the charged off accounts then due to the FCRA these accounts must be deleted from my credit reports. 

The XXXX XXXX account was also paid off & the bureaus are still reporting that this account is owed. Ive also sent proof from my checking account as well as my XXXX XXXX app showing that this has been paid off. If the bureaus continue to report this inaccurate information on the accounts that I have sent over, I will be left with no other choice but to take legal action for not only defamation but violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX, I went to MUFG Union Bank XXXX Branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) and using their ATM for a cash deposit. I counted my cash in the car for {$5000.00} with 50 of {$100.00} bills. I went to the ATM inserted my card, select deposit cash, the ATM states it can take up to XXXX bills, which is exactly the amount of bill. After the ATM received my cash, it immediately reported there's a technical issue and non of my money can be returned. It was after business hours and I tried every number that could contact Union Bank. What amazed me is Union Bank does not even have a 24/7 customer service. More stunning is the customer service does not accept phone calls on Sundays. I was helpless and standing at front of the ATM for a long time. They only offer 24 hours service to their " credit card users '' and the guy refused to assist me because I had a debit card and it was an ATM issue. I'm due for rent and car loan tomorrow. I can't even take the cash back and deposit to my other bank 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 monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
All of a sudden I don't have access to my Chime Bank account online or using the app, but my account is still active when I call the card. 
I truly do believe that this bank is a scam. 
I couldn't remember my last transaction for them to verify my account.Every time that you click on 'Forgot Password ' I type in my birthday and last four digits of my social security number and a message in red states the I information that I've entered doesn't match our records? Oh really when I own the account and I never had a problem with my account. 
This happened with no alert no nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was going to make a payment on my Capital one card account and I noticed someone hacked my account and I stoped plus my wallet was stolen out of my car XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
My problem is that for months I have my account in Conibase blocked. The only message received from the company is : " Account under review.

Your account is currently being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. Log in every day or every other day to check your status " I have opened a ticket with Coinbase to resolve the problem but all they do is suggest information checks that lead nowhere. All my information is OK and I told them.

This case is similar to many other users who are in a similar situation. For me, it is specifically posing a serious financial problem as I can not have the money I have invested in Coinbase.

Please I need your help so that Coinbase unblocks my account and can use my money. 

Thanks!

Company response to consumer: Closed with explanation