vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CoinZoom, Inc.
State: IL

Complaint narrative:
On XXXX XXXX at approximately XXXXXXXX XXXX I received a XXXX alert form XXXX of an Unreconized charge through my XXXX account in the amount of {$490.00}. I logged into my XXXXl account to obtained more information. There I discovered an invoiced with information alone with a phone number to dispute the charge. I called the number and a male voice answered and identified himself as XXXX XXXX This person identified himself as XXXX and told me that my phone had been hacked by and they where trying to get into my accounts. He told me that he could stopped the hackers and I needed to download an app called XXXX XXXX. This app allowed him/them to gain access to my phone. Upon access they began serching for accounts associated with money. They had me to allow them access to my digital currency accounts as well as my bank accounts. They told me they had to remove and safe guard my funds before they could stop the hackers. They gained access to my XXXX accounts CoinZoom where I had approimately {$80000.00} dollars in XXXX and XXXX stored. They begin to transfer these funds from my account at a rapid pace. They transferred these funds to a newly created account into XXXX using my information. Then they gained access into my XXXX bank account. They instructed me to transfer {$17000.00} from my savings account to my checking account. They had me send {$7500.00} through XXXX to my son and then had me immediatedly reverse the transaction by having my son send it back. I later discovered they closed/deleted my XXXX account. Then they used {$10000.00} to purchase XXXX from my XXXX account and another {$1000.00} was used to purchase XXXX through my paypal account and XXXX. All this took place a span of about 4-1/2 hours with me. They tried to bring 2 of my sons into their scam but my sons had suspected this was a scam. They tried to alert me by phone and through text but was blocked. They kept telling me to stay calm and that my funds would be returned in 24 hrs. After they where done I became panicy and begin to take action by alerting my bank and the other institutions involved. My bank to action by stopping 3 of the 4 transactions to XXXX. We to other security proceedures to protect my account. However CoinZoom, XXXX made a decision to not cooporate. I filed a report with the FBI hotline for senior citzens as well a report with my local law enforcment agency. After visiting my Social Security office I was advised to visit my State Reprensentive office where thy suggested I file this report with CFPB and the FTC.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AL

Complaint narrative:
Home Point Financial has allowed my homeowner 's insurance policy to lapse twice in two years through their failing to issue payments, despite my repeated attempts to supply their escrow department with the policy information requested. 

Unfortunately, the email address previously used to correspond with my insurer and the mortgagee is now defunct, but my insurer was able to provide email correspondence from XX/XX/2022 where I reached out to Home Point with them cc 'd, and I know there were other attempts to contact them, including emails and at least one phone call with a Home Point representative in which I was assured that the policy information had been received so that payment could be issued. I am sure Home Point will be able to find their own records of any of these and other relevant communications if they are so inclined. 

Despite having an entire escrow department, Home Point Financial has failed in subsequent years to keep my insurance policy active, seemingly in spite of my efforts to make sure they have the information they should be able to get on their own. They have issued yet another notice to me that they are going to put a forced-place policy on my house, in total disregard of the fact that it is their fault my policy lapsed. This has caused my quoted premium to increase, and obviously has caused a level of distress from not having the most important asset of my financial life protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A transfer was made via my Zelle account to a person that I have no association with, or have any knowledge of who they even are. Account verification must have been made in order to approve transaction/transfer. This transfer occurred XXXX XXXX. After seeing this I cancelled my Zelle so that this would not happen again. I filed a fraud claim through Zelle and was informed today XXXX XX/XX/2022 that my claim had been denies. Zelle had determined that it was not fraud even though the amount of {$2500.00} had to be authorized by me via phone call and was sent to a random person I have no association with. They have taken their money they refunded me back and stated they can not help me. This company has been no help and has denied an actual fraud claim. They did not tell me why my claim was denied other than the fraud department had determined it wasn't fraud with no further explanation. This is fraud and should be handled by Zelle as such. I would not recommend this money transfer service to anyone as they do not protect customers accounts and allow blatant fraud to occur and not properly handle these situation. They have some of the worst customer service and even though the fraud was reported as soon as it happened they still denied it as fraud. I will not be using this service again and I am very frustrated that they took my fraud claim money back and stated it was not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK
State: TN

Complaint narrative:
My husband died 8 weeks ago unexpectedly from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX in XXXX  and had no life insurance. I filed bankruptcy but then submitted a voluntary dismissal from that court. I am in possession of the court ordered dismissal granted XX/XX/XXXX, XXXX Credit reports do state the dismissal however, I was denied a prepaid credit card by Discover Bank due to " bankruptcy ". I did speak to two account managers this morning but was told they will not take into consideration the court ordered dismissal as well as the fact my home was purchased cash as well as both vehicles being fully paid for. My water bill of $ XXXX arrived last week yet I did pay {$400.00}. Electric bill was {$110.00}. I paid {$300.00}. This, to me is discrimination. I am currently paying XXXX XXXX XXXX {$540.00} a month for four years for the debt. I do receive {$3100.00} per month in VA benefits and SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion, XXXX, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. Transunion and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.

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 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Apelles, LLC
State: FL

Complaint narrative:
I deposited XXXX XXXX  XXXX dollar between XX/XX/2022. 

I paid for a no overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I attempted to resolve the issue with this company via written communication as is my right via email. The company continued to ignore my requests and would only reply with " Call this number '' ( examples attached ). I notified XXXX XXXX & XXXX XXXX ( Third Party Debt Settlement Specialists ) on multiple occasions that I do not consent to my voice being recorded, and these individuals continued to insist on me calling their recorded line. They made no good faith effort to assist me with my issue. The issue at hand is the companies FCRA violations. I have no contract with this company. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I am aghast at this companies violative business practices. Not only does this company have no contract with me, they have no permission, but they are also reporting inconsistently on my consumer reports ( attached ). As a consumer, under the FCRA I am entitled to maximum accuracy on my consumer reports. This company has defamed my character, harmed my financial reputation, and is unwilling to work with me in good faith. Attached will be proof of not only my attempt to work with PRA Group, but also the federal violations. This alleged debt obligation has been on my consumer report for multiple years. I have been denied multiple extensions of credit because of this account. These denials are a direct result of this account being on my report illegally. As mentioned in 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. This company has a long history of abusive practices as can be seen by the complaints not only on the XXXX  but also the CFPB. The CFPB has taken action against Portfolio Recovery Associates in the past for the same exact thing that is happening to me currently. There is no excuse for their action as they have been in business for over 30 years and ignorance of the law is not an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
Every single week US Bank puts a freeze on my account. I receive {$300.00} each week for unemployment. The money is withdrawn onto my XXXX every week and yet some how they decide that there is fraudulent activity on my account and instead of contacting me to inquire about this they just put a block on my account without me knowing about it until I go to use my card the day I get paid!! Therefore Often times they make me wait two or three more days while they " verify '' my identity. I have incurred so many late fees from my Landlord which are {$100.00} each month and my credit Score has dramatically decreased in the last 6 months because my bills are frequently late due to the fact that financially things are very restricted and payment due dates are often within a day or two of when I get paid and I am not allowed access to " my '' money. In my opinion NO ONE SHOULD HAVE THE RIGHT TO WITHHOLD MONEY THAT IS RIGHTFULLY MINE AND IN THE PROCESS CAUSE MY FAMILY TO GO WITHOUT BASIC ESSENTIALS! THIS IS CRIMINAL. TO THIS DAY I HAVE NOT ONCE HAD ANY FRAUDULENT ACTIVITY ON MY ACCOUNT. DOES THIS MAKE SENSE TO ANYONE?? THIS IS THE TYPE OF XXXX THAT CAUSES A PERSON TO 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 2022-08-03 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: MI

Complaint narrative:
Hi I am submitting this 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 year old 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 2022-08-03 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: MI

Complaint narrative:
Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late XXXX XXXX XXXX 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late XXXX XXXX XXXX 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny 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 2022-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief