vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
On XX/XX/2021 we received a letter from the investment firm of Charles Schwab that we had opened account with them, which we had not. We called immediately to report this to them. They took the information and directed me to their fraud department. That department is completely unwilling to tell us anything other than " no credit check is required to open these accounts so your credit freezes would not apply '' and that " once this account is open then there will be access to open bank accounts and lines of credit without a credit check ''. We then received a letter from Schwab confirming that the address had been changed from our address to the new, requested one. I again called Schwab fraud department & they refused to give me any information. They did tell me that we " would get no further correspondence from them since the address had been changed, they will conduct 'their own investigation as to IF this is a fraudulent account & they we will NOT receive notice if the account has been shut down or closed ''. We have an open police case & gave them all of this information. The detective on the case personally called & they refused to provide him the information they have, including the address that the account had been change into. Without the info Schwab has, there is not much more the detective can do. I do not see how this is ethical or legal that Schwab can withhold this information from us, the victims, and from legal authorities. We have no idea if this account is open & active or not 2 months after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
XXXX have harassed me without validating debt despite a request and has not adhered to a cease and desist order for contact and/or communication within 30 days. Moreover, the amounts claimed to be owed are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Case description : We already discussed about my account ( It was closed because I linked more than the allowed number of Visa cards ) Then you made me wait 180 days Then I asked for my money back and it was returned to my account Here is a description of the problem : The problem is that I can't withdraw my money because my account doesn't allow me to link my bank Here is a screenshot of the error that appears when trying to link the bank PayPal_ Wallet.pdf ( XXXX KB ) ( I have tried more than one bank account, I am very sure that their status is active and there is no problem ) And here is a screenshot when I followed the link indicated in the first screenshot Resolution Center.pdf ( XXXX KB ) ( didn't helps ) Also I tried to contact support but they only reply with default reply 's that didn't helps!. 

Thanks for CFPB, PayPal team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mobiloans, LLC
State: OH

Complaint narrative:
I was called on XX/XX/XXXX by a woman named XXXX XXXX, left a voicemail not identifying what agency she was working for talking about suing me and filing an order of location for me and saying she is calling my work and would attempt to locate me there. My employer called me after to notify me they received a similar message. I called the company back at the number listed and was transferred to the legal department for XXXX XXXX or XXXX XXXX XXXX. They mentioned a debt owed to a payday lender and after the call I checked they did not provide a legit date for when this became delinquent, saying XXXX, which is not accurate. They also never notified me of anything prelegal or within last 2 months stating the sent an email in XX/XX/XXXX, I did not receive any written notification. They call call proceeded poorly as the woman accused me of bank fraud and saying my case wouldnt be civil but criminal due to bad checks, I asked what would be required and stated I couldnt pay today even if I could I shouldnt as I was never notified. I proposed a settlement agreement and was placed on hold and she said my agreement would be fine if I paid today via phone for the 1st amount, I told her I couldnt pay until XXXX and offered 1 time good faith payment of lesser amount today, she declined and became very agitated raising her voice and telling me to borrow money from family to pay today or I would be served at work. I stated that wouldnt be necessary for a civil money claim and she continued to speak about criminal charges regarding this payday loan debt. Ultimately the agent hung up on me and would not accept my offer for lesser payment today. I called the payday loan company afterwards who verified they sold the debt to XXXX and that unfortunately I could not pay them directly. The collection agency rep said it was too late to request notification in writing now, although I told her I never was notified. I attempted to email after this call and am awaiting response.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY

Complaint narrative:
Starting on XX/XX/2021 I received a phone call that the number popped up as unknown. Left a voicemail ( Never stating my personal name or what they are calling about ) stating they are Wakefield & Associates and to call them back at XXXX. Phone number after voicemail was received states the phone number they called from is XXXX. The same thing happened again on XX/XX/XXXX, and XX/XX/2021. 

I have also received phone calls that show up as spam risk/unknown at first and then after the missed call it states the number is XXXX as well on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 with no voicemail. 

To date ( XXXX ) I have never received anything in the mail from " Wakefield & Associates '' stating what they are contacting me about. Since they never leave information about what they are calling about or not receiving a written letter about what they are contacting about, I will not answer the phone calls or call them back personally since I don't know if it is a scam or what they will do with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
Upon checking my credit file I noticed a collection from Sunrise Credit on my report stating I owed XXXX XXXX I have never heard of this company nor done business with the company. Not to mention have never received any communication about the so called debt. I need this removed immediately off of my report and for this company to stop reporting to any and all agencies pertaining to this alleged debt that I do not owe.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a loan with CAP1/XXXX XXXX. I have always made my payments on time. For some reason, I realized that this account is still being reported on my account by the Credit Bureaus. I've already pad this account. As you can see, there's no balance on this account and the status is already paid. Also, the payment history of this account is inaccurate. I've already send requests to remove this account but after 30 Days, I didn't receive any response or changes. Please investigate this matter. Otherwise, remove this account for legal accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 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: FL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-02-18 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: FL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The account with CB/VICSCRT with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has several different evaluations in each Credit Bureaus which are both incorrect. I'm not sure if the Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
On XX/XX/2022 I was notified by XXXX XXXX that the servicing of my mortgage was being transferred to Nationstar Mortgage ( aka Mr. Cooper ). 

On XX/XX/XXXX, Nationstar contacted my insurance company and had themselves changed to the lender on my policy with an effective date of XX/XX/XXXX. 

I have attempted to contact the new servicer several times through their website and phone system and am unable to make successful contact because they have no record of my loan or social security number. 

I am troubled that this loan is in limbo somewhere and that this a ploy to throw me into default. I made my XX/XX/XXXX loan payment to XXXX XXXX despite what their ( XXXX ) website said because there is absolutely no way to make contact with Mr. Cooper if they do not consider you to be a customer. I have even sent emails to their address for noncustomers only to have those go unanswered as well. 

I pride myself in paying my mortgages in a timely manner and do not appreciate the incompetency of both of these companies. Thank goodness I was not in the middle of selling the property and needed a payoff quote.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid my insurance bill as scheduled to XXXX. and they sent my information to a creditor and the account was already paid. They refused to delete the account from my report even after disputing and sending in proof.

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 2022-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On more than one occasion, I have tried to contact Coinbase in regard to a currency in my portfolio named XXXX. Without my knowledge or consent, the currency was converted into XXXX XXXX by doing so, this locked the currency in a process called " staking '', which renders me incapable of attaining my funds. After being presented with the above issue, Coinbase denied the fact that the currency conversion was done on their behalf and that I had to have done it. I even requested that my account be liquidated and returned to the payment used to no avail. Eventually on XX/XX/2021, Coinbase sent an email to me regarding the situation, and it goes as follows, " Hi XXXX, Your Coinbase account contains XXXX which is currently restricted in the state or country in which you reside. As a result, your XXXX has been restricted from access in your account. In order for you to move your XX_Name_of_Asset_XX out of your Coinbase account, we will need to temporarily restrict your account from buying and selling so you can move the crypto offsite Please reply to this email with your permission to temporarily restrict your account from buying and selling so you can move your XXXX asset offsite. After we have your expressed permission and are able to temporarily restrict your account, you will be able to move the asset. After the XXXX is moved from your account, we will remove all restrictions so you can return to normal activity within your account. 
Thank you in advance for providing us with this information. '' After reading this, I immediately followed up by giving the permissions requested. my reply goes as follows, " I XXXX XXXX, give consent to the temporary restriction referenced in your email, giving me the ability to move my XXXX off site. I'm aware that after this I will be able to resume normal capabilities within the application and site. '' After this short-lived correspondence, Coinbase never followed through with their promise. I even recieved an email stating that the " Investigation/inquiry '' was closed. A follow up email was sent asking if my issue was resolved, to which I answered " No. '' During the elapsed time of my multiple correspondence with Coinbase, my portfolio has lost almost fifty percent in value, and I blame this on the fact that I wasn't able to access the currency ( XXXX ) listed above and convert it to another less volatile currency. Coinbase in my opinion is responsible for the loss of said XXXXo value due to the fact that they did not follow through with their promise to facilitate the process that would allow me to move my currency offsite and swap it for another digital currency. 

The case number involved in this matter is XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I was sent into collections for loan I acquired from Affirm. I made my final payment on the loan through the debt collection service XXXX on XX/XX/XXXX. Affirm did not update my account until I submitted two disputes through XXXX and the account was update to reflect paid on XX/XX/XXXX with my first dispute. My second dispute filed was in XXXX, however they did not update my file. I have filed 4 different internal disputes with Affirm, who said they were escalating the review each time. The most recent escalation was on XX/XX/XXXX when XXXX told me they would resolve the issue within 24 hours. However I still have not received any updates on this account and since have submitted a XXXX dispute through XXXX on XX/XX/XXXX - a full year after I made my final payment and no resolution as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The CAPITAL ONE appears to be a charge-off account with a specific balance of {$680.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account 's payment history is being reported differently from each Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT AUDIT reported an existing account on my name with the amount of XXXX $ and opened XXXX/XXXXXXXX and the last reported was on XX/XX/2022 with a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IN

Complaint narrative:
I have been a part of the XXXX program for a long time. I have had XXXX of XXXX payments certified. I have XXXX more that I have yet to certify. In XX/XX/XXXX I was contacted and told that my account is under review based on the changes that President Biden put in place for the XXXX program and that I would qualify for additional months credit. I was then contacted again in XXXX of XXXX and told the same thing. Based on when I was working for a XXXX approved employer, I should already have met my XXXX payments. 

Fedloan Servicing is simply not processing things. They are doing nothing and my account should be updated after over XXXX months of waiting! I am concerned that they will not have this done in the next XXXX months, and then I will have to start repayment of my loans, which should already be forgiven. 

I want Fedloan Servicing to complete the review and update my account with the correct XXXX loan payments that should be approve based on the new standards. I have contacted them on multiple occasions and they have stated that it is in process and they have no idea when accounts will be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I received a collection letter from Fair Collections & Outsourcing for {$13000.00} for an apartment rental at XXXX XXXX, XXXX XXXX XXXX. I spoke to the collection rep and they were advised that I didn't pay rent and they would not provide me any additional information in regards to the this rental. They did provide me with a email address to request paperwork for fraud. I reached out to the XXXX XXXX and the person I spoke to would not provide me any information, including their name, and they referred me back to the collection agency. I filed a police report with XXXX XXXX Police department and I contacted my attorney. XXXX XXXX did not and would not help me in disputing this with their company.

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