vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
They sending tx and try call money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
On XX/XX/22 I let the credit card issuer, Monroe and Main, know that I was a victim of a fraudulent account. I reported this via email through their website. I have never heard of this company prior. I deny opening any account, receiving a credit card or receiving any product. They also have my maiden name in the address area which I do not use. A charge was issued on XX/XX/22 in the amount of {$140.00}. I am waiting to hear back from this company. Can you help me with this identity theft? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NH

Complaint narrative:
Hi, I'm I one of several dozen ( hundreds? ) victims of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange XX/XX/22. 

A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
This company is constantly call my phone all day. Plus they reported the debt to my credit file tthat is damaging my credit and life.

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 2022-04-06 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-06 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
I have an auto loan that XXXX signed for in XXXX for my daughter. The car was repossessed in XXXX. I have tried to contact the company, CNAC on several occasions. The number that they pricier that is listed on my credit report, ( XXXX, is always busy. I spent a week trying to contact the number everyday. I looked up the company on the internet and called it, ( XXXX ) XXXX XXXX. I was told that they could not pull up the loan, and to call ( XXXX ) XXXX. I called that number and it was the XXXX. I was told that they handle loans for banks that have closed. the lady, XXXX, informed me to make a complaint, because she had received several calls from other consumers from CNAC. I was also given ( XXXX ) XXXX. It was XXXX XXXX XXXX credit card account. This vehicle was almost paid for. The amount they gave me when the repossessed it was {$3000.00} to settle the debt. But now, I have over {$7500.00} on my credit report. I am trying to contact them for a settlement credit. At this time, I have no way to resolve this issue with CNAC, and can not obtain a vehicle for myself with this late amount on my credit XXXX every month. Because it has been so long ago, and it was my daughter 's car, I have no loan information that I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This is a complaint in regards to Phoenix Financial Services LLC. I have been receiving several phone calls a week from a company when it shows up on my phone shows as XXXX XXXX. I would pick up the phone and they would hang up and this went on for several weeks. My phone deletes the call log so I am unable to obtain, we would have to contact cell phone company to obtain all the dates and times. Finally last week when I answered the phone the person spoke extremely fast, they did not tell me the name of their company but stated they were calling in regards to my medical file and needed to speak to me and needed my date of birth. I asked them to identify themselves and why they were calling and they repeated again that they were calling in regards to my medical file and needed my date of birth. I advised due to HIPPA regulations I did not have to speak to them about my medical file over the phone and asked that they inform me which doctor 's office they were calling from. At that time the person was very irate, stated then at that time she was calling from a debt collection agency and that she knew my date of birth at which time she blurted out and when I attempted to ask her what debt she was calling in regards to she hung up. I called back the phone number and no one would pick up. Later that week I received a debt collection letter from Phoenix Financial Services LLC located in IN stating I owe money to a current creditor by the name of XXXX XXXX XXXX XXXX which I have no idea who this company is nor have I ever received a bill from that company. I went online to research this company and saw several complaints online with similar letters stating the same exact thing. Stating they do not know who this company is, they never received medical attention from this company and were being told they were going to collections. I believe this to be fraudulent. I believe if this is a debt collector they violated several regulators, one by impersonating to be a medical facility, requesting my personal information, not verifying whom they were, why they were calling, what the debt was in regards to nor identify the company making the claim. Please note when you try to call XXXX XXXX XXXX XXXX the phone listed online with XXXX is the phone number to XXXX XXXX XXXX headquarters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Prosper Market was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote Prosper Market a check, Paid to the Order of the United States Treasury. It wa n't until then that Prosper Market sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and Prosper has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. Prosper Market is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in 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 2022-04-06 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these 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 non-monetary relief
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2022, I deposited a payroll check via the XXXX XXXX through my bank PNC Bank, in the amount of {$750.00}. I was told that funds would clear and be available on XX/XX/2022. Upon trying to make a purchase, once the funds posted as available in my account in the amount of {$750.00}. Upon calling my bank on today XX/XX/2022. I was told that my bank account has been frozen and that I could not access my account. As of today I had money already available in my account and due to this freeze the bank will not provide me a reason why my account is frozen, nor will they allow me access to my funds. Please assist me with this complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: FL

Complaint narrative:
I called USCB on XX/XX/XXXX tried to explain to them I never attended a school call XXXX XXXX XXXX. I explain to them that might be mistaken identity or I was a victim of identify theft. I ask them if they can send me to proof of enrollment such as driver license and my high school transcript that is required to attend any school. They lady on the phone told they dont keep such records. She informed this was enrollment fee. I ask for fraud affidavit she refuse to send me one. I explain I can make a police report stating that I was victim of identify theft and I can send that to their office so this can resolved. She explain to me that sending that will no make no difference. Only thing will resolve this account is payment. I ask if made the payment will she be able to send me out fraud affidavit. I went ahead and paid the XXXX balance.

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The complainant was fraudulently charged ( {$100.00} ) for event tickets by XXXX XXXX on Thursday, XX/XX/XXXX. Ally Bank uses XXXX to process payments. I sent the electronic funds via XXXX at XXXX EST on XX/XX/XXXX. When the seller of the event tickets failed to send the tickets, I immediately notified XXXX who stated I needed to follow up with my financial institution ( Ally Bank ). I immediately notified Ally Bank via chat and was told to call and file a case. While on hold with Ally Bank I disputed the transaction on the Ally Website. 

Unfortunately, the Ally Bank phone system ( XXXX ) only directs the consumer to the vehicle loan division and does not properly route callers to the Ally XXXX Bank division. I was hindered in my interaction with Ally Bank due to the limitation of their phone system. 

I did dispute the transaction via the Ally Bank website and without notice, discovered the dispute was closed without any follow up or written communication. 

Attached is the chat log with Ally Bank representatives. 

XXXX - XXXX XXXX ( XXXX ) Email - 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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, my servicer is Nationstar mortgage XXXX mr cooper, I am working with a certified HUD counselor who has been mediating between myself and the lender, the lender agreed to allow payments from a local county grant in the city of XXXX ca to send a {$12000.00} payment and, said I can also send in {$5000.00} to lower my balance so I could qualify for a state grant called California mortgage assistance. The lender said they would hold the monies in a suspend account and would not send it back, they asked that we place it to the attention of XXXX XXXX we have complied, on XX/XX/2022, I received a notice from the lender stating they have returned the monies sent to the local grant distributor, after an agreement was in place by the HUD counselor and the lender, saying they would hold it, this is the 2nd time monies were returned. I am trying to save my home and the lender has made it very difficult for me to resolve the past due amounts. I need to get this resolved each day we wait makes my account further past due. I also sent an additional {$5200.00} attention XXXX because a new payment was due. total sent $ XXXX by the city if corona- was returned by lender {$5000.00} sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions $ XXXX sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
my trust fund that I have with Wells Fargo got moved from XXXX XXXX XXXX XXXX XXXX soon there after the XXXX XXXX XXXX sold all my blue chip stocks of and left me with a huge capitol gains taves! I have tried to resolve with weellsfargo XXXX XXXX and they won't answer my calls any more. My quarterly statement from XX/XX/XXXX shows a balance of {$940000.00} to XX/XX/XXXX is {$890000.00} and they have not only charged me {$700.00} a month but they have not given me enough money to pay my rent for XXXX monthes out of the last XXXX monthes!!!!! My Name is XXXX XXXX XXXX ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX. PLEASE CONTACT ME BEFORE I END UP HOMELESS AND BROKE OR BROKER THAN I CURRENTLY AM.

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 2022-04-06 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: DC

Complaint narrative:
I am submitting this complaint against Transunion, there is no third party involved. 
Transunion is reporting multiple inaccuracies on my consumer report. My personal information My name is spelled incorrectly. ( Exhibits provided ) My address is inaccurate. ( Exhibits provided ) The employment section is inaccurate. 
The name on my ID and social security card are how my name should be spelled. The address on my ID is my ONLY address. Pursuant XXXX XXXX XXXX I have contacted Transunion multiple times with written instructions to delete accounts XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX ( exhibit provided ) they have ignored and refused to comply At this time, I DEMAND TRANSUNION TO CORRECT THE INACCURATE PERSON INFORMATION AND DELETE THE REQUESTED ACCOUNTS WITHIN XXXX BUSINESS DAYS BECAUSE IT IS CAUSING ME SIGNIFICANT DAMAGES INCLUDING OBTAINING HOUSING, GOODS, TRANSPORTATION AND MORE. TRANSUNION is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which TRANSUNION failed to comply with my written instructions Pursuant XXXX XXXX XXXX Pursuant XXXX XXXX XXXX - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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