vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

XXXX 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called XXXX 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a XXXX XXXX address, The thing is that I have never lived on a XXXX XXXX address, Also they had a copy of an ID that started with a XXXX but my ID starts with an XXXX. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does Radius Global Solutions ( the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.

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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I started to invest in the website XXXX. I wire money into the account XXXX time of {$1300.00} on XX/XX/21 from XXXX XXXX, {$25000.00} on XX/XX/21 from Chase, {$7000.00} on XX/XX/21 from Chase, {$70000.00} on XX/XX/21 from Chase, & {$47000.00} on XX/XX/21 from Chase respectively. It's a cryptocurrency betting website, that there is a trend that you have to watch. If it goes up and you bet it foes up, then you win, if you bet down and it goes down, then you win too, but if you bet up when it went down, then you loose it all. I am positive $ XXXX in the online currency called XXXX XXXX XXXX that I even took out personal loans for it. {$1.00} = XXXX. Now just last week, I tried to withdraw my funds because I want to pay my loans off, I messaged them everyday since XX/XX/21 to XX/XX/21. They have stopped responding to me after notifying me on XX/XX/21 that the request for my funds have been approved. The first XXXX wire of XXXX, XXXX $ XXXX was send to The XXXX and XXXX Banking XXXX XXXX XXXX XXXX Receiver 's name : XXXX XXXX XXXX Account # XXXX The last XXXX wire of XXXX and XXXX was send to the same bank with the same swift code with Receiver being XXXX XXXX XXXX Account # XXXX. As soon as I realized that I was not getting any response from services at XXXX, I contacted Chase right away as that's where most of the wiring occurred. I was bounced around to different department and was told that none of them handles wire transfers done with the account holder 's knowledge. They can file claims for wire done with the account holder being unaware ... however, they did not have a fraudulent department that handles wires done internationally for their clients when they've been a victim of fraud. I am so lost and my hands are so tied that I don't know what to do. I took personal loans out for this and now, I'm afraid that I won't be able to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 I contacted Wells Fargo XXXX XXXX visa XXXX XXXX to request the finance charge amount on my credit card. The representative told me that she would as out the finance charge information via an encrypted email within XXXX days. However, I gave never received the information the company has been trying to charge me, late fees, interest fees, annual fees, ect. I am aware that pursuant to 15 USC 1605 ( a ) a finance charge is the sum of all charges. I am also aware that attempting to collect any amount besides the finance charge is a violation of 15 USC 1692e ( 2 ) ( a )

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 2021-04-30 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:
I have submitted many disputes to Equifax concerning this error on my credit report. Not all XXXX bureaus are reporting same information. Equifax is reporting different information. 
This is a violation and needs to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have several fraudulent hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
This purported trust claimed to foreclose on a mortgage contract that never consummated in violation of MGL Ch XXXX sec 63 b and has since attempted to sell this property in violation of the bankruptcy laws.On XX/XX/XXXX, I signed documents that I understood was a mortgage and note from lender, XXXX XXXX XXXX XXXX XXXX, mortgage loan # XXXX, at XXXX XXXX XXXX., XXXX, MA XXXX. XXXX XXXX, Massachusetts as shown in the deed recorded at XXXX County Registry of Deeds book # XXXX page XXXX. 

According to the XXXX County Registry of Deeds stamp at the top right of the page, a purported Assignment of Mortgage to XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, Series 2007-9, was recorded on XX/XX/XXXX at XXXX XXXX. in Bk : XXXX Pg : 23-24 Page : 1 of 2 As of XXXX XXXX ( the settlement date ) funds were supposed to be disbursed to XXXX credit card XXXX in the amount of {$560.00}. After 11 years when XXXX discovered they had not been sent, the funds were reissued on XX/XX/XXXX. This was after the purported foreclosure took place on XX/XX/XXXX as recorded by the foreclosure deed that was filed in the XXXX County Registry of deeds on XX/XX/XXXX at XXXX in Book # XXXX page XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, XXXX XXXX, is registered on the Securities and Exchange Commissions public website as a purported XXXX trust with its constituting document, ( known as the Pooling and Security Agreement at : https : //www.sec.gov/Archives/edgar/data/1401795/000090514807004515/ecf-1677_ex41.htm This trust never existed and the contact never wa consummated in violation of the statute. The Massachusetts Division of banks sent Industry letters in XXXX and XXXX warning about this and possible sanctions.

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 2021-04-30 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: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card from US BANK, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and US BANK with no successful resolution. XXXX XXXX, and XXXX reporting me XXXX days late in XX/XX/2020. There was an error on their part. I was never XXXX days late.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I was with chime bank prepaid debit card and they closed my account stating too many loads to the account I contacted them through email several times they asked for documentation to prove the loan funds I sent them all the documentation about where the load funds came from my ID and they still will not give me my account balance or send me my money they are trying to keep my money I also had a linked XXXX XXXX XXXX card to this account and they froze that account and they are trying to keep my money between the two counts is over {$10000.00} they keep saying Im in violation of their terms so they are not refunding or give me my money back I dont understand how they can keep my money there was nothing wrong with my money or where it came from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: MD

Complaint narrative:
There are a series of inquiries that I do not recognize and seem to be of a fraudulent nature, I have already disputed and showed an ID Theft affidavit but they have not been removed. The Inquiries are the following : Equifax XXXX CARD XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX Equifax XXXX FCU XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Applied for new credit card and activated card. 
Tried to many multiple purchases and card was declined. Have tried to reach chase customer support but have been rejected or told that the department that could help me is no longer at work. Attempted to call during different hours of the the day with same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I purchased two reload it cards from a XXXX store about two weeks ago. One for {$100.00} and another for {$80.00}. I tried loading them to a prepaid card but it keeps giving me an error message, when I reached out to the company for help they claim there is no known issue they can see but simply its my fault because I triggered a fraud alert which blocked the transaction. After waiting another week which was their instructions I tried it again and yet again I got the same error message. I tried loading a different pre paid card thinking that may fix it. Nope no different no matter what I do the transaction wouldnt go through. I tried having the company refund me the amount I loaded onto the cards but they are requesting the receipt used to purchase the cards, the actual reload it card, and a photo id. I do not have the receipt anymore because it was so long ago so they refused my refund. This seems completely wrong because I have the card stored on their reload it safe they call it so I obviously have possession of that money so there should be no reason they should refuse me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30 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: CA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX  Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX  and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TN

Complaint narrative:
Someone who works for netspend or ace has been stealing money from me and putting money back as in if I was depositting or withdrawing money back into the account. I have filed 2 complaints with Ace about my money being took without any alerts, emails, or text messages and NOTHING has been done. If I spend my money with my card I get all of the alerts, emails, and text messages, but when someone spends my money I don't get anything that shows I spent that amount.

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
This account was originally opened years ago, removed from my credit report and then placed back on my report this year to appear as a new account. I am not financially capable of settling this account as I have fallen on hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
During the pandemic, our family restaurant was obviously impacted. At that time Specialized Loan Servicing, the company that holds our mortgage, offered a 3 month forbearance which we took advantage of. After the 3 months, I was placed on a payment plan to pay-off the 3 missed payments. During the past 6 months I have received 200, if not more, pieces of mail threatening foreclosure through regular mail and certified mail, plus daily voicemails even though I have talked to representatives on multiple occasions who have assured me we were in no danger of that happening. On top of that, they have placed my account in the bankruptcy division. A previous bankruptcy ended about 7 years ago, well before they took over my mortgage. I feel harassed by this company even though I am taking the exact steps we had discussed to get me back on track. They truly made a very difficult year for us even more of a nightmare with the constant threat of taking our home away from us.

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 2021-04-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
HAVING A PROBLEM WITH XXXX  AND EQUIFAX REMOVING ACCOUNTS THAT I HAVE FURNISHED INFORMATION THAT SHOWS THAT THESE ARE NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-04-30 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: CA

Complaint narrative:
I have a credit card from XXXX XXXX and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX  Equifax, XXXX and XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX XXXX  with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have several fraudulent hard inquiries on my credit profile CAPITAL ONE XX/XX/2021 XXXX  XXXX XXXX # XXXX CAPITAL ONE BANK USA XXXX XXXX - XXXX CAPITAL ONE BANK USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 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: TX

Complaint narrative:
XX/XX/21 and previously, letter to Experian and XXXX was mailed. I informed them that I had previously disputed Chapter XXXX XXXX, and in response each bureau verified the item as accurate, stating they have verified the information with the court and XXXX. I have contacted both court and XXXX and their response is enclosed.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have several fraudulent hard inquiries on my equifax credit report. Below are the fraudulent inquiries. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation