vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank, and XXXX XXXX have a Business card under my name that I have never applied for. These cards have been opened since XXXX of XXXX as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business chase card balance is around $ XXXX {$26000.00} while the XXXX XXXX is owed around $ XXXX {$5000.00}. 
These cards have been, and are continually affecting my credit score with absurd outstanding balances. 
I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which was the business chase account. I also filed a FTC report stating both accounts. I have continually pursued Chase bank, and XXXX XXXX to remove these accounts from my credit reports, and completely delete the accounts that I did not authorize. These accounts do not belong to me, and as stated before, I did not open these accounts, and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended, so that I can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I received my stimulus on Friday night which was XX/XX/2021. I went to the mall Saturday to spend money for my son and after the third purchase both cards started to decline. I waited 24 hours to see if the car was going to unlock myself because you couldnt call the card number on the back because we couldnt get through. Every time you call the 800 number on the back of the card it will go to a voice message and then hang up so I could not resolve my issue with the company. Today is Tuesday, XXXX XXXX and Im still not able to use my card I have bills to pay in rent to pay and I can not use the money on my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. I didnt know I was getting billed and there was anything due. I was charged incorrectly. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, original balance : $ XXXX.Your company is committing multiple violations to the CCRA. Please read them carefully : Re-aging account. 
Reporting an incorrectly charged-off account. 
Unfair business practices. 
Failing to report correct last activity date. 
Negligence. 

This situation is very stressful and I am just asking for what is fair. I need you to take this matter seriously. I demand to get the account removed from all three credit bureaus. 

Please send the attached document to the company. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am having an issue with Wells Fargo. I was force-placed for homeowners insurance by Wells Fargo without contacting me. They claim to have called me and left a voice mail, but I have no record of having received a call on my cell phone or having a v-mail from them. The force placed Insurance is about 4 times more expensive than my regular insurance. If they are going to purchase such expensive insurance on my behalf, I would appreciate them contacting me - they have my mobile phone number, e-mail and home address. They contact me for credit cards, home equity loans etc. etc. via e-mail and snail mail, so why not for this. When I called customer service, they claim to have done nothing wrong and blamed it on me. I need CFPB 's help as I am unable to get anywhere with Wells Fargo 's customer service, which BTW it takes about an hour to get to talk to a live person re : insurance questions.

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 2021-03-17 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/2021 a complaint was submitted via CFPM regarding an account that Consumer Adjustment ( CA ) is reporting in error to the credit reporting agencies. On XX/XX/2021 CA responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. CA claims they " emailed '' the documents to me but I have never provided CA with my email address. On XX/XX/2021 I wrote CA requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request. On XX/XX/2021 CA responded to my second CFPM complaint noting that they mailed the documents on XX/XX/2021. As of today XX/XX/2021 those documents have NOT arrived nor has CA complied with my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
They closed my account, even though I sent them all the requirements that they ask for. 
I always use Paypal but then they still close it, I feel that they are not doing their jobs right. I still have money left for more than XXXXusd. My email linked in my PayPal is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to Equifax on multiple occasions to have the remove information from my credit profile that I have disputed and proven to be wrongly reported information I have sent out multiple letters calls and even one company had already requested that they remove accounts I have disputed and they have yet to remove them or the fraud inquiries I disputed in which

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX XXXX am filing a complaint on XXXX  for disclosing my information to multiple third parties such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. 
They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 MUFG Union Bank is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to XXXX XXXX I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.

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 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
I am a veteran I never used this hospital Or emergency room please show physical proof that I came to this hospital oe a signature I came here if you can not provide this delete this from. My report Can someone help me From Cpfb this is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had gotten a personal loan with Wells Fargo XXXX XXXX. Illegal charges ( forced insurance ) were added to my loan over the course of the years that they vehicle was being financed along with another account they had opened without my knowledge. There was a lawsuit against them that had neem filed and they were forced to reimburse all customers that were affected. 
They now owe me a checked in the amount of {$5400.00}. They said it was issued but I never received it. I've called on SEVERAL occasions inquiring. When I made the initial call in XXXX XXXX, XXXX I was told it would be 30 - 45 days. I've been getting nothing but the run around. They continue to say that there is not update. 
I need 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 explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WLCC
State: IL

Complaint narrative:
Someone hacked into my email and deposited funds into my personal account that was closed. When I was aware of the aware I quickly notified them to cancel and take their money back. They claim that they dont have their money and are contacting me saying I owe close to XXXX. This is a fraudulent payday loan and I want this debt canceled and contact seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I Have honda Finance loan. I forgot to pay my monthly payment on XXXX XXXX XXXX.I got call from Honda Finance on date XX/XX/XXXX about my monthly bill. I told them ok i will confirm in my bank bill pay schedule and if not i will pay today. I paid same day from my bill pay {$1500.00} for two months [ XXXX and XX/XX/XXXX ] but My Bank XXXX hold that money because they thought that this is not my regular payment so they hold it without my permission. I got call again from honda finance on XX/XX/XXXX about my bill pay I told them that i paid already on XX/XX/XXXX so you receive check on XXXX XXXX i called my bank on XX/XX/XXXX, that did they sent payment to Honda finance and that time they told me that they hold it and send check to them instead of send them electronically. because of all holiday XXXX XXXX and XXXX XXXX honda finance received check on XX/XX/XXXX. I again called XXXX XXXX  on XX/XX/XXXX to confirm about my payment and they suggest that still Honda finance didnt deposite check in yr account so they suggest me to cancel check amount of {$1500.00} and pay again two separate payment of {$750.00} and {$750.00} on XXXX. Honda finance received two deposite money on XXXX XXXX XXXX.I attach here my Bank Paybill Schedule and Honda Finance Payment History for yr kind information. You can see that they deposite my {$1500.00} Check on XXXX XX/XX/XXXX and refund on same day because i cancel that Check from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I received a notice from this Law Firm via mail I have received calls since I have hired a Credit repairing non-profit company due to the current situation in our country, they submitted a Power of Attorney so that I can try to mitigate my damages in my credit and it was rejected the agent from the XXXX XXXX ( Credit Repairing Services ) was told that they could not communicate with them unless He was a licensed Attorney that it was XXXX XXXX Policy He told me and they will provide that in writing and they refused to do so they asked for his full name, which it is irrelevant since they submitted a Power of Attorney in fact on my behalf, they even had a representative by the name of XXXX XXXX whom is not an Attorney who is not an Attorney working the account why would they have an non Attorney worked the account and not talked to my agent/representative He asked if they had the policy in writing but they refused to do so they said it was XXXX Policy My Credit Repairing Representative called XXXX and they said they do not have such a policy they still refused to communicate with me unless I am represented by an Attorney, Which I believe that is a violation of my consumer rights I am seeking a resolution to my current financial situation I am self employed and have been impacted by the current Covid19 Situation, further more the representative did not give my agent the Mini Miranda Disclosure as required by The FDCA, I would like to resolve this situation but I should not be forced to hire an Attorney as it was clearly stated by the representative who told the agent I must have an Attorney if I have a Credit Repairing Counseling Agent, that violates my rights as a consumer, I can not afford an Attorney only Non-for profit Credit Counseling, that fact that they demanded that I have an Attorney is not lawful within my consumer rights, They said my Repairing Counseling agent should hire an attorney which I can not afford attached is documents if you would like more info please let me know the agent was directed to a XXXX XXXX at the law firm by XXXX XXXX a non Attorney representative if this account is only handled by an attorney the representative told The XXXX XXXX ( Credit Repair Serivices ) He needed to know if he was an Attorney or not. 
This is not right please help I know this law firm has been noted for very suspicious and unethical practices with their staff. 
We have dates and time when we called and they also have recordings as they must keep by law. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Binance.US ( BAM Trading Services , Inc. d/b/a Binance.US ) blocked me from depositing money into my Binance.US account, starting around XX/XX/2021 since one of the deposits I made into my Binance.US account was rejected by my source financial institution, and Binance.US in the mean time had made those funds available for me to use. 

Funds that were rejected : {$2000.00} Date of this rejected deposit : XXXX Action taken by Binance : They blocked me from depositing funds to resolve this matter. And they blocked me from performing any kind of transaction ( Trading, buying/selling, depositing more fund or withdrawing existing USD ). 
Action Taken by me : 1. I have submitted my bank statement as well as a selfie video stating " Today is [ Month/Day/Year ], and my name is [ First & Last Name ]. I confirm that I have authorized these transactions. I am contacting Binance.US to resume USD deposits & withdrawals for my Binance.US account [ registered email ]. '' as they recommend in their support email. 
2. I have opened several support tickets on https : //support.binance.us/hc/en-us/requests, but their customer support has not responded to me yet. They even discourage customers from opening more tickets by SCARING the customers, by claiming that support tickets would be deprioritized if we open more tickets ; even though their customer service doesn't reach out to us for months, in some cases. ( My open ticket number is # XXXX ). They mark previously created tickets to SOLVED even though they are not Solved/Resolved. 

Attached : 1. XXXX - shows Deposits I attempted to make that Binance.US stopped from being submitted. 
2. XXXX - shows list of all support tickets I created 3. XXXX - shows Trading failed message

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation