vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
My identification documents were stolen out of my gym bag at a public gym. In addition, I was a victim of the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: U.S. BANCORP
State: MN

Complaint narrative:
My wife received numerous calls asking for personal information. They would not identify themselves or what company they were from. My wife asked for a supervisor and the supervisor identified themselves as US Bank only after repeated questioning. We did not give them any info. I contacted US Bank and have no issues with any of my US Bank accounts. US Bank said they never contact people by phone over issues and thaqt this was fraud. Fraud telephone number is XXXX. 

Thank you XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
a charge was made on my XXXX chase visa card on XXXX XXXX for {$1000.00} from XXXX XXXX XXXX XXXX ca XXXX a mobile app ( i dont have one ) for a apple i pad, it was picked up with no id or signature, Chase sent me a e- mail fraud alert asking if i made this purchase, i hit the red bar and sent NO i did NOT make this purchase, they called right after and said the cancelled my XXXX cards and would sent new ones in 4 days, they did, I talked to 4 different departments at chase with NO luck, they kept saying i benifted, even after they said they knew of XXXX XXXX and XXXX  scams on their cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
After viewing my credit report I found late payments that I would like to remove from my credit report. I have made notification that late payment pertaining to this account is inaccurate and violates 15 USC 1681s-2 ( a ) ( 1 ) ( 8 ). This violates my rights as a consumer. Please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2021 - UWM ( United Wholesale Mortgage ) accessed my two checking accounts for 14 unauthorized transactions. My XXXX XXXX XXXX account they took out {$300.00} seven times, and put back {$300.00} seven times causing overdraft fees. On the same day to my XXXX XXXX XXXX account they took out {$1000.00} seven times and put back {$1000.00} seven times. Both of these cause my banking accounts to be flagged as a risk. All unauthorized transactions. 
On XX/XX/2021 illegally accessed my XXXX XXXX account again pulling out my rent of {$1100.00} and then pulled out my rent again on XX/XX/2021 for the exact same amount of {$1100.00} duplicating my rent payment. 
UWM website states that they were having payment issues for many customers and it would be resolved by Monday XX/XX/2021. Funds were not returned. I called and they have not resolved the issue stating they needed my banks verification to reverse the charge. Multiple overdraft fees have been incurred. My bank has referred me to the banks collections department despite a three way call that was meant to verify the funds had been debited that would have fixed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: LA

Complaint narrative:
I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX XXXX was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA 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 2021-05-04 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: LA

Complaint narrative:
I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXX  I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX  XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXXXXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: IL

Complaint narrative:
I filed a complaint with the Consumer financial protection bureau complaint ID XXXX filed on XX/XX/2021. The complaint was against XXXX XXXX XXXX reporting a collection and or charge off of {$97.00} on my Equifax credit report. I have disputed the information twice with Equifax, dispute # XXXX and dispute number XXXX Requesting the collection be removed from my credit report as the account has been paid in full directly to XXXXXXXX XXXX XXXXXXXX who is the original creditor. XXXX XXXX XXXX XXXX responded on XX/XX/2021 to my CFPB complaint with the following response : we have already updated the account information and have placed the instructions to have the account removed from Miss XXXX XXXX credit reports and we will send Miss XXXX  a letter confirming this deletion. I also faxed Equifax supporting documentation on XX/XX/2021 requesting the deletion. They have refused to remove this account off of my credit report. Equifax costed me issues with delaying my closing date of my new home as a result of this issue. I also called and told them that I was going to report them with the attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
I fully paid off this account months ago and sent in the equipment. I have proof of package dropoff at XXXX. XXXX said they would cancel the collections but have not. They continue to call me constantly, yet every time I try to get in touch with someone who can fix the situation, I get sent in circles until I get told someone will fix it, but then it's never fixed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CO

Complaint narrative:
I applied for a mortgage loan back in XX/XX/2020. XXXX XXXX Senior Mortgage Banker at Mutual Of Omaha located at XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX, became my loan officer. XXXX XXXX my broker had been communicating with XXXX about the house contract, XXXX asked for my file information and asked if it was ready to be sent to the underwriter for loan commitment approval ; XXXX said that my file was complete and it was being sent to the underwriter for conditional approval but unfortunately XXXX sent an email on XX/XX/2020 stating that I had to do an amendment of taxes due to an unreported XXXX XXXX  from my CPA on my taxes ( which the underwriter noticed last minute ). This email was sent 2 days after the new loan termination deadline on XX/XX/2020 for this reason I have lost my earnest money due to a lender late notice about missing documents. I was never notified by XXXX XXXX nor other representatives of Mutual Of Omaha of the missing reported income until XX/XX/2020 which was after the new loan termination deadline. 
Mutual of Omaha did not keep in mind that my earnest money was in jeopardy due to the late notice. 
I want to complain about her not revising my file correctly before deadlines and for this reason I have lost my earnest money for the amount of {$5000.00}. 

I was never notified of the missing documentation on time before my earnest money was in jeopardy, I want to claim my monetary loss due to a lack of revision, communication from XXXX XXXX and all the other parties involved in Mutual  Of Omaha.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I ordered my credit reports from all 3 credit bureaus, Experian, XXXX, and XXXX in XX/XX/2021. I found collections accounts on my credit report with all 3 credit bureaus, public records from 7 years ago that haven't been removed, personal information like other social security numbers other than mine listed on my credit reports, student loans that are under my name which doesn't belong to me .I have disputed all the fraudulent accounts as well called in via telephone to each credit bureau to dispute personal data on my reports that aren't mine but the credit bureaus are yet posting the fraudulent data on my reports after informing them. I am XXXX  XXXX, I have reached out to the XXXX XXXX XXXXXXXX XXXX Department about discharging the loans as they are affecting my livelihood, I can't get a place to live and I have children, I can't get any type of financial assistance not to mention, I can't get a mortgage due to the fraudulent data on my reports! I have turned in my Benefit query from the Social Security Administration to each credit bureau showing that I am XXXX and that they are affecting me mentally and psychological due to all the negative items on my report that don't belong to me and them not removing it for me. I am hurt, sad and disappointed. Each time I dispute the items XXXX, XXXX  and Experian keep listing the fraudulent items. I will be forced to get lawyers involved if this matter isn't resolved on my behalf. another complaint is that all three credit bureaus XXXX, XXXX, and Experian have failed to update my credit reports. For example, I have a XXXX XXXX credit card and I make all my payments on time, I have a exceptional payment history, however the three bureaus have failed to update my reports reflecting my XX/XX/2021 regular credit card payment in the amount of {$290.00}, along with a double payments made on my credit card account in the amounts of {$930.00} on XX/XX/2021 and XX/XX/2021. Both in the amount of {$930.00} each totalling {$1800.00}, none of the XXXX payments have been reported by all 3 credit bureaus to reflect my exceptional payment history.

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 2021-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Since XX/XX/XXXX I was offered an option to postpone payments due to pandemic. I accepted a six month extension which expired in XXXX. Since XXXX I have been attempting to process this loan modification documents with no success. Every time we submit documents, there is always a discrepancy found. Either a missing signature, we did not sign correctly and so on. They were kind enough to send their notary public and still the documents were declined. Up to this day XX/XX/XXXX we are still waiting for approval of these documents.

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 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Someone tried to obtain a vehicle loan in my name fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
Back in XX/XX/2020 XXXX XXXX put on my credit report that I owed them money of {$500.00} and account # XXXX. I then opened a dispute with XXXX  for them to obtain proof that XXXX XXXX XXXX is stating that I owe this money to them. I want to see proof that I signed any documents that they rendered any services to me. 

I then received a notices that the information was not verified and it was removed from my credit profile. The again in XX/XX/2020 XXXX XXXX listed this account with another collections agency. Again I disputed and it was removed from my credit profile. I then contacted XXXX  again 30 days ago and they came back as the debit was verified through their computer system not with anything with my signature on that the people rendered service to me. 

So once again XXXX XXXX has listed this debit with Paramount Recovery for {$500.00}, When I asked the credit to follow the credit law. I was advised by XXXX XXXX at XXXX  that it's not their responsibility to get proof that this debit is owed. I then told Mr. XXXX that the unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). 

After I told MrXXXX XXXX this information he told me good luck with having the information removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
1. Company state they have now listed account as " disputed '' on credit reports. 

2. Company state and per their communications they sent notifications in XX/XX/XXXX and XX/XX/XXXX to address XXXX XXXX XXXX XXXX XXXX Alabama XXXX. My address in XXXX XXXX XXXX XXXX XXXX GA XXXX. 

3. Company was notified via certified mail twice XX/XX/XXXX & XX/XX/XXXX after reporting to XXXX  and XXXX  of wrong address and the communications were not received per FDCPA. 

4. Company agreed to remove information via XXXX  dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Account became restricted for no reason. After multiple attempts to fix the issue, its been weeks with no responses. 

XX/XX/XXXX : deposited {$1000.00}. 

Also XX/XX/XXXX : account restricted. Was able to deposit and fund my account, but unable to trade or withdraw any of the funds that I just had deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX I deposited over {$15000.00} into Binance.US and have accumulated over {$60000.00} in profit with my investments in NANO/USD VTHO/USD AND DOGE/USD on the platform. I am considered an advanced verification level user which means I should be able to withdraw XXXX per day as of their terms. Recently and suspiciously Binance.us switched my verification level to unverified and asked me to accept these new terms and conditions, well now its been weeks and my account says pending verification and it does not allow me to withdraw my funds, but or sell any currency. My money is locked. I have submitted tickets asking them to release the hold that is unjustified, no response. Thousands of users report the same thing on XXXX. I have missed out on XXXX + profits this month alone due to not having access my trading account. I pay my regular bills with my account, over XXXX. I am at risk of losing all of my assets due to not having access to my funds and being late on bills. This is causing me great damage and stress. This has happened on XX/XX/2020 and my ticket number is XXXX account email XXXX User ID at Binance.us XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield, A debt Collector company had contacted me and stated that I had owed XXXX XXXX XXXX XXXX XXXX {$690.00}, they said I have rented the property and now owed the landlord. I told the rep from Hunter Warfield that I have been live in XXXX XXXX many years, I have never rent a house in XXXX, Ca. They claim its my social number and all the personal information. I have reach out to the police and tried to file a report. This Claim had hurt my credit score very badly too. Please 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 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a PayPal account with {$740.00} that I cant access.XX/XX/2021was the last transaction I was able to make. After that they froze my account saying I can I longer use PayPal and that I have to wait 180 days to get an email informing me how Im supposed to be able to access my money.

Company response to consumer: Closed with explanation