vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
ok i recieved a letter from a collection company its called mid south adjustments onXX/XX/XXXXtrying to collect a XXXX medical debt from XXXX county hospital well my heath insurance paid it for some reason there trying to collect it but the insurance provider paid it after it was closed out and sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX credit report i said i going to dispute it with the credit XXXX  bureas and so i did 30 days later came back verified so i could not re dispute it so here i am needing your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Our loan was sold to Freedom Mortgage and at the time of the sale we noticed a {$700.00} increase in our payment. It went from approximately {$1100.00} to {$1800.00} a month. We immediately called when our payment was due to have the issue resolved and discovered that they added an insurance policy for flood that was already being covered by our condo association. We contacted our association and gave them all the information they needed to correct the issue. Next and to make matters WAY worse, they re-evaluated our escrow and submitted a tax code that included the taxes for the ENTIRE building not just our unit. Our new tax bill was {$53000.00} a year on a condo we paid under {$200000.00} for. This equals {$4000.00} a month. We immediately gave them the correct tax code and have been contacting them 2x per week for the past 10 weeks trying to get this taken care of and everytime we call we get a new person and a promise to have a manager call us back. After 10 weeks a manager has NEVER called us back. They are urging us to make the payment as is with all the extra charges or get a forbearance. We are able to pay what we are supposed to but refuse to pay for two insurance policies ( we have always paid through our association ) and the taxes -- I don't even know where to begin with this issue. We are now in default and I am worried about foreclosure, it is 2 am I haven't slept in over a week and need this issue resolved. I am so desperate I am actually considering selling the condo we love to get out from this nightmare. I am able to pay the correct amount for our mortgage and ready to pay for the 3 missed payments today! I need this issue resolved ASAP. Please help! Our credit is ruined and that also needs to be fixed.

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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
ok i recieved a letter from a collection company its called transworld system inc on XX/XX/XXXX trying to collect from XXXX for the amount {$410.00} a medical debt from XXXX XXXX hospital it was sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX  credit report i said i going to dispute it with the credit XXXX   bureas and so i did 25 days later came back verified so i could not re dispute it so here i am needing your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
all wrong not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX & XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$77.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$77.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$77.00} Highest Balance {$0.00} Terms 1 Months On Record UntilApr XXXX Payment History Account Name XXXX XXXX  Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$67.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$15.00} Credit Limit {$220.00} Highest Balance {$160.00} Terms NA Account Name US DEPT OF ED/XXXX  Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$10000.00} Highest Balance {$0.00} Terms NA all filed to the ftc

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 2020-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
all wrong not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX & XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$77.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$77.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$77.00} Highest Balance {$0.00} Terms 1 Months On Record UntilApr XXXX Payment History Account Name XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$67.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$15.00} XXXX XXXX {$220.00} Highest Balance {$160.00} Terms NA Account Name US DEPT OF ED/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$10000.00} Highest Balance {$0.00} Terms NA all filed to the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-13 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: V and H Portfolio
State: AR

Complaint narrative:
i recieved a letter from this vace and huffman saying i owed for something i never got or recieved of XXXX i disputed it on my XXXX it came back verified and i could not disput it again call the they were rude and had no explation of the company that financed it went out of business said i need to pay or it going to be on all of my credit reports and it is they needs to reomve this bogus account from all credit bureas i never got or recieved anything the company went out of business in XXXX and this collection got this is XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a loan with CAP ONE AUTO, XXXX XXXX, and XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ).  I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAP ONE AUTO, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Last year I worked with the fraud department at Chase to finally close a credit card account that had been opened in my name fraudulently. I didn't find out about the account until the person who had opened it in my name became unable to make the monthly minimum payments. At the time I found out about the account I immediately contacted Chase and reported that the account had been opened fraudulently. At the time I did not understand my rights under federal law and because Chase bank said that they would not release me from the debt I began making monthly payments on XX/XX/XXXX and continued to make payments until I finally was able to Chase 's fraud department to release me of the debt in early XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made 44 monthly payments to Chase which totaled to the amount of {$11000.00}. Since Chase has released me from the fraudulent account I have made 4 requests to Chase for a refund of the {$11000.00} in payments that I made to them. The last request which I sent in writing, in XXXX of XXXX. This request included detailed documentation of the payments I made, including copies of the email confirmations I received after making all 44 payments however Chase has continued to refuse to even respond to my request for a refund of the payments that they illegally obtained from me by threatening to report non-payment to the 3 major credit bureaus. I am hoping that your agency can help me receive a complete refund of the payments that I made to Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I have a loan with NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: STATE EMPLOYEES CREDIT UNION
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I recently had fraud done to my acct. I purchase 2 XXXX. the first on a web site call XXXX XXXX {$150.00} XX/XX/2020 & the other off XXXX XXXX {$130.00} XX/XX/2020. Cash app states on there portal that if we detect fraud being done to contact them immediately. I did everything they asked me to do even requested the refund from the 2 people who I made the purchase with. The first guy he never responded leaving the acct in refund status and the other guy decline immediately. I sent all supporting documentation to cash app only to get the run around. I then tried to dispute the charges with my bank only for them to tell me they do not assist with 3rd party payers. I then contact each web site I purchase the items off. XXXX XXXX & XXXX XXXX. let go said they do not assist with refunds and offer up said because I used a 3rd party payer they can not assist me. I then contact Cash App through the portal. After numerous email back & forth I finally asked for manager to speak to the rep by pass the question and gave me am automated response. I have all email trails to support this as well. I have been going back an forth with different reps only to get the same responses. I am out of {$280.00}. Someone is responsible for this. Cash app ask for SS # and a physical address. They need to go after the people who committed this crime. I know if this was my bank they would have refunded the money and went after the people who did this. I need help in this matter. So far I have did a police report, contact XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX. I wish I did my homework before using the app. I know they created this for a good purpose but there are people making it bad and nothing being done about it. I feel they are supporting the crime because the accounts are still active and running. This is not right and something needs to be done. Due to all the bad reviews I have seen on different web sites I have unlinked and deactivated the account at this time due to people have money disappearing out there acct. I can't chance loosing money. I work hard for my money and for them to allow this behavior and not crack down. I think it need to be shut down for this reason. Please let me know how I can go about getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have a loan with XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-13 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: Ability Recovery Services, LLC
State: MI

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This complaint is in reference to ALLY FINANCIAL Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.

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 2020-08-13 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: Coinbase, Inc.

Complaint narrative:
I have over {$70000.00} worth of BTC on my Coinbase wallet over 2weeks ago and I tried logged in and tried to send some BTC all for me to find out there was restriction on my account, I saw a notification on my email that I need to verify my email before I could trade again, I did verify with my UAE residency and it was confirmed and I was hoping that the restriction would be lifted but all to no avail, After a couple of days I couldnt login into my account again, Anytime I try login in all is see is my account has been temporarily disabled and I should contact support center which I have been doing with no reply apart from automated messages and its over 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NH

Complaint narrative:
XXXX  will not remove a closed account. I recieved a 1099-C in tax year 2019 for XXXX from XXXX XXXX XXXX for a repossessed vehicle. This amount was reported on my 2019 tax return. Uploaded 1099 C to XXXX XXXX, they removed creditor from my credit report but Equafax and XXXX  won't remove.

Company response to consumer: Closed with explanation