vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Online banking issue, the 2 step verification process for my capitol one card will not allow me to login, I do not have a cell phone and my landline is a voip number, I have called 3 times to the company they have no way to bypass or to reset the account, they only say that there is nothing that they can do. They used to be able to send an email as verification they say that they do not do that any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I have a verified Coinbase Account, active since XXXX. On XX/XX/XXXX, I traveled to XXXX on a US Visa. After arriving in XXXX, I attempted to simply " open '' the Coinbase App. The App froze, showing a spinning loading icon with no dialog, warning, or indicator of any sort. Every other financial App of mine showed a warning dialog about " unable to open from the current location. '' After arriving back in the US, I tried to open the App and was given a message : " Our records indicate that you  have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please reply to this email with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement. '' That was on Wednesday, XX/XX/XXXX, after which I immediately completed the steps of the automated message for re-verification and submitted support tickets with the required information. There has been no response to Emails, the Support Ticket, and the phone support is constantly " at high volume '' and the call ends. 

I have tried for the last 7 days to contact for an update, however, there is no reply. The account is completely blocked from logging in and still shows the same message. 

Every other Financial institution had a very clear dialog that blocked access while in XXXX, and allow access upon returning. Coinbase is the only institution that blocks access without warning, then disables the account, and then does not have a timely or visible process to reenable access. 

Blocking a financial account for legal travel without warning and no path to resolve the account access is unacceptable. 

I have tried every other forum to get in touch with Coinbase, but my hands are tied behind my back and I have no other recourse except to file a formal complaint in order to get a response from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2019-07-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX XXXX which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
About XX/XX/XXXX, I had a checking account with the Bank of America in XXXX XXXX, California. After doing an electronic transaction to order a hands free ear buds for my cell phone, I had to return it to the company but did not get my money back. I then closed my account with the bank. After a while I reopened another checking account with the Bank of America, and the bank then charged me a fee of about $ XXXX, so I closed my account again. I reopened another checking account with Bank of America in XXXX California in XXXX or XXXX. In about XX/XX/XXXX that branch, to my total shock and dismay, charged the same amount again to my checking. So you could say I'm out {$970.00} for an ear piece for a cell phone which cost no more than {$15.00}. Can you help me please, I need my money.

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 2019-07-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  . I have reached out to the FTC and my local police and I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2019-07-03 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: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

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 2019-07-03 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: TX

Complaint narrative:
I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My wife passed away and the mortgage was in her name, it took some time to have it placed in my name. The bank would not accept payments after she died so I missed a few payments. Wells Fargo then stopped accepting my payments for the last year. I have tried many times to talk with them, to no avail. I have saved the money {$15000.00} to pay the back payments but they wont accept it. They now want {$5000.00} more in fees for a total of {$19000.00}. 

I have asked for a loan help, but they say no i am late by a few days, i have asked to accept the {$15000.00} but they wont accept it. 
I have asked for a few more weeks to help raise money. 

I am an elderly, uneducated, XXXX XXXX XXXX man with no help. 
All my life savings is in the house in equity and the are about to take it away by XXXX XXXX, 2019. 


I can pay {$15000.00} today, but they wont accept the money, they wont finance the {$5000.00} or give me a few weeks to work and raise the balance which he desperately wants to do. The reinstatement department refuses help. 



Please help me. Please ask the foreclosure department to give us a little time to raise the money, even a few weeks would help. 

Thank you for your attention to this ..I am begging for some relief.

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 2019-07-03 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: CITIBANK, N.A.
State: CT

Complaint narrative:
An extra charge was made to my credit card, {$300.00} ( or XXXX  XXXX XXXX ), during my booking XXXX XXXX XXXX XXXX, on XX/XX/XXXX XXXX. I had disputed the charge with Citi card company, Citi card company never wants to resolved the issue. After I directly discussed with the hotel, XXXX XXXX XXXX XXXX realized the mistake or the mischarge, and had reimbursed/cancelled to Citi card company with the amount of XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX  but the money has not been to my card yet after four months. I have called the credit card company a couple of times, the issue has never been resolved.

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 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a residential mortgage with TIAA Bank. They purchased Everbank who had my loan for over 15 years, the entire time with XXXX XXXX as my insurance company. So TIAA purchased my loan that reflected the same insurance company for over 15 years. I recently decided to change insurance companies. After much research I decided to sign up with XXXX XXXX insurance. On XX/XX/XXXX I signed up, and 24 hours later, after discovering my agent lied to me about my coverage, I canceled it on the XX/XX/XXXX - 24 hours later. I had requested that I pay the first years premium out of my checking account. However on XX/XX/XXXX - despite not authorizing TIAA to  disburse anything out of my escrow account, and despite having only a declarations page from XXXX that was already invalid from being cancelled - TIAA Bank gave XXXX XXXX {$2100.00} out of my escrow account putting me at over a - {$1200.00} ( negative balance ) in my escrow account right when property taxes were being paid! TIAA not once called me, did not required something with my signature authorizing payment from my escrow account, or did it do anything to verify that XXXX had any authorization or basis to take money from my account at that point. Recall the policy was canceled XX/XX/XXXX, and TIAA paid them {$2100.00} on XX/XX/XXXX. It was not until I received a letter from TIAA over a week later that I discovered XXXX had my money, and I had to contact them and demand that be refunded to get it back. TIAA did nothing to correct their error, I did all the work. I want the CFPB to investigate TIAAs violations of their escrow account regulations and their mishandling of my escrow account, their failure to confirm the validity of a request for payment, and their failure to verify with me that I was in fact making a change to my insurance carrier. Fortunately I had not canceled my policy with XXXX XXXX, so that was still intact. TIAA took no steps to ensure the sole document they received to demand payment, a mere declarations sheet, was not fraudulent or contrived. Given TIAAs lack of protective or responsible actions, it is clear that anyone could obtain TIAAs mortgage loan numbers and then submit false declarations pages from a fake insurance company and clean out a lot of money from a lot of escrow accounts held by TIAA! I am now very stressed and worried that they are not going to protect my funds, not theirs, from fraudulent activity they clearly have no processes they follow or protections they go through before handing out checks! 
I dont need to talk to them, I already wasted a couple of hours of my time arguing with them about how irresponsible and unacceptable this was for them to allow, and they dont appear to understand the problem. Im done speaking to them, they need to be investigated and examined for the violations theyve committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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:
I have fraudulent accounts on my credit report with XXXX equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
There was a debt from the creditor XXXX XXXX XXXX in the amount of {$1700.00} listed on my credit report. I disputed this and it was removed on XX/XX/2019. This creditor was part of XXXX   XXXX. 

Since then the charges have been put back on my account in small individual charges, with another debt collector, named Medical Data Systems Inc- but this is for the same place XXXX XXXX , they changed the name and broke down the charges to make them look like seperate bills. this is completely false and needs to be removed from 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 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
A company posing as a collection agency put a collection on my credit report. 
The company is called Southwest Credit Systems. They have over 130 negative XXXX reviews that this has been happening to multiple people. They also have almost 500 negative reviews with XXXX. They are claiming that I have an unpaid loan in the original amount of {$950.00} noted as cable/cellular for a company called XXXX XXXX. with a balance of {$1500.00}. They have it dated as XX/XX/19. I reported it to the credit bureaus and contacted the FTC who gave me your information.

Company response to consumer: Closed with explanation