vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 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: NE

Complaint narrative:
They are reporting a collection account on my credit in the amount of {$41.00} with XXXX XXXX. I have disputed this debt several times with the credit bureau. However, they are still reporting this inaccurate information The other credit bureaus have updated my report and are no longer reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX XXXX XXXX and my credit score only went up 5 points. My credit score should have increased at least 23 points for the removal of a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Collection was opened XX/XX/XXXX for a XXXX XXXX account. Amount was XXXX. I have taken numerous steps with the company but I have not gotten anywhere. There is no way I could have opened a XXXX account, 1 because it was opened in XXXX/XXXX  of XXXX when I had no way of opening it, secondly I have a XXXX account of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX XXXX , XXXX and my credit decreased by 8 points. My credit score should have increased by at least 23 points for a collection account being removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
I had some medical issues so I had referral appointments to the XXXX XXXX I had XXXX at the time every other appointments I had where taken care off.. I didn't get calls or any mail saying I owed a bill of {$160.00} And it showed up on my credit as a collection, this bill was suppose to be covered by my insurance. I tried to reach out to the medical office couple times no answers. Now this is affecting me for qualifying for a lease. This is unfair.

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 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Caller options do not suit my issue. TransUnoin credit has maintained my previously excellent credit history for 25 years. During the period of XXXX-XXXX  had successfully paid off 10 cars and several other loans paid as agreed. Those tradelines fully demonstrated the financial literary I was taught at an early age. In 25 years I NEVER missed a payment!! NOT ONE. As a result of what I built as a part of that history, my Credit score with the presence of that information was ALWAYS nearly 800. Those Tradelines represent my creditworthiness and how I carefully managed my own credit over a lengthy term. Removal of them STRIPS ME OF MY IDENTITY and has been interpreted by me as an intentional tortious act against me. As noted above via timeframe. All of those tradelines were a picture of my credit health PRIOR to my Bankruptcy filing of XX/XX/XXXX. So since they were PRIOR and not inclusive in my filing. 1 ) I'd like to know exactly WHY they were removed? 2 ) Did you take it upon yourself to dictate my HISTORY? 3 ) WHEN are you putting the tradelines back?? Because according to your own publications. " MY HISTORY '' during said period is it what credit scores are dependent upon. 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 2020-05-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
ON XX/XX/20 YOU SEEM TO HAVE RECHARGED ME FOR MASKS FROM XXXX WITH A GUY WHO INITIALLY DIDN'T SEND THEM TO ME ON TIME, TO THE FACT HE CHARGED ME XXXX FOR WHAT WAS SUPPOSED TO BE XXXX BUT HE MADE SURE IT WAS ONLY XXXX. SO YOU CAN TALK TO THE MERCHANT IN XXXX SINCE YOU DIDN'T WANT TO TALK TO ME ABOUT THE DISPUTE THAT SHOULD STILL BE ONGOING AS I CALLED AND TOLD YOUR CS REP ONCE THEY WERE DELIVERED VERY LATE THAT NOW THERE WAS ONLY XXXX IN THE BOX WHEN THERE SHOULD HAVE BEEN XXXX. SO YOU LET ME KNOW HOW MUCH YOURE GOING TO CREDIT ME FOR THE MISSING XXXX OR ILL CLOSE MY CARD AND REPORT YOU ALL OVER DISCOVER. 
THE CHARGE DISPUTE IN QUESTION IS WHAT YOU JUST POSTED BACK TO ME. XXXX XXXX *XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-24 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: NY

Complaint narrative:
I have submitted multiple disputes each time including updates obtained by local police investigation. Adding and attaching more supporting proof to rid myself of the fraudulent accounts. Each time Dates and timelines of the FCRAs guidelines and laws where ignored and disregarded. I have been given half produced results in return and still being held responsible for fraudulent debt unlawfully by XXXX, XXXX, and equifax. With that being said I have now retained legal counsel and contacted the NYS attorney general. My attorney XXXX XXXX informed me that I must give the credit reporting agencies one final chance to correct all and any inaccuracies and block and permanently remove any fraudulent accounts. This is my final attempt and dispute for the agencies to correct this matters before filing my lawsuit to obtain civil and financial justice for the way my rights have been disregarded, economic stress and mental burden that has all weighed on me during my already challenging and uncertain times. If section 605 ( b ) of the FCRA is not upheld and these accounts and inquiries and not blocked and removed permanently, my attorney will be filing and handling all matters from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NY

Complaint narrative:
I have submitted multiple disputes each time including updates obtained by local police investigation. Adding and attaching more supporting proof to rid myself of the fraudulent accounts. Each time Dates and timelines of the FCRAs guidelines and laws where ignored and disregarded. I have been given half produced results in return and still being held responsible for fraudulent debt unlawfully by XXXX, transunion, and XXXX. With that being said I have now retained legal counsel and contacted the NYS attorney general. My attorney XXXX XXXX informed me that I must give the credit reporting agencies one final chance to correct all and any inaccuracies and block and permanently remove any fraudulent accounts. This is my final attempt and dispute for the agencies to correct this matters before filing my lawsuit to obtain civil and financial justice for the way my rights have been disregarded, economic stress and mental burden that has all weighed on me during my already challenging and uncertain times. If section 605 ( b ) of the FCRA is not upheld and these accounts and inquiries and not blocked and removed permanently, my attorney will be filing and handling all matters from this point forward.

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 2020-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received a deposit of {$6200.00} from unemployment on Tuesday at XXXX XXXX. Everything was fine that day. The next day which would be Wednesday around XXXX XXXX I sent {$5500.00} to my girlfriends cash app because she has a bank and I wanted the cash. After her receiving the money she notified me that it would be {$90.00} to instantly deposit to her bank so I changed my mind and she immediately sent it back. I dont know if it caused a red flag after that, but I was able to withdraw {$800.00} from a XXXX XXXX atm around XXXX XXXX  ( Wednesday ). And thats when my account got locked. I knew it was a daily withdraw limit but Ive been using the app long enough to know that you can still spend money online. Everything getting declined saying for my protection. Ive emailed multiple times and also created a XXXX account so I can XXXX them my problems. After about 2 days I reported my cash card missing thinking maybe if I get a new card Ill be able to access my funds but it wont even let me order a new card. Cant spend money cant send money cant transfer to a bank I just want it off of cash app because they had no apparent reason to freeze my account. Ive been hearing a lot of people having the same problem and my thing is I already sent and spent money why cant I access the rest? Ive had someone send me {$1.00} to see if I can receive money and I can. But when I try to send the {$1.00} back it says I dont have enough cash Still havent heard from anyone from cash app and Ive been hearing that they close accounts and people lose their money and arent able to get it back. Please help, I need my money to pay bills. I have unemployment I havent been able to work, I finally get paid the money I need to survive during this pandemic and cash app freezes my whole account, not allowing me to do anything with my money I am very frustrated because no one is helping me solve my issue they wont unfreeze my account and its been over 72 hours..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020. I was looking to buy a specific breed of cat online. I did my research and contacted many sellers and the I found the little kitten that melted my heart. The breeder said I need to make a deposit to reserve the kitten. They had send me an email with shipping informations, instructions and methods. I couldnt wait to bring the little angel home. He told me how loving the kitten is and how lovely I would feel having hers I used Chase QuickPay to send over {$300.00} deposit as the the scammer says thats his preferred method. Once he received the money he stopped providing me information. I started to have a bad feeling and spend the next 5 hours digging for information and I found out that this website XXXX XXXX XXXX registered under XXXX XXXX  XXXX is a fraudulent site they have been reported as scam but havent been shut down. Im emotional broken, I was already getting ready to welcome my kitten home. I tried to look for help and then I found out that Chase Bank uses quick pay with XXXX does not prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I was receiving my unemployment payment by check through the mail. But now it says that it will be on a state issued debit card. A Wells Fargo account card. I have not received this card and it has not been 3 weeks now and I have no card and have not received my payments I cant get an answer or a hold of any one to help my phone number is XXXX 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 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2020 Wells Fargo Bank closed my account without properly notifying me. I have been hospitalized since XX/XX/2020 and am currently still in the hospital battling for my life. I never overdrawn my account. I was laid off due to a 14 day self quarantine and had to pull money from my savings to my checking to feed my kids and accessed fees. I really need my account and have a wells fargo paycheck to deposit since I am a XXXX. My job was supposed to direct deposit my check but that never happened. I just need my account back opened and fixed. Right now I am in the hospital and can not physically walk my check in. Which would have been deposited on the XXXX of XXXX if I was not in the hospital at this time. I have been in the hospital the last 23 days. I am at XXXX hospital in XXXX XXXX and my room number is XXXX. Phone number XXXX please feel free to verify if needed.

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 2020-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have been paying on 1 of my student loans with Navient but instead of the payments going to the balance, my payments have been going to late fees and interest. The problem with that is whenever I have been late in the past, the fees and interest were added to the previous balance. Therefore by Navient putting my payments towards those fees and not reducing the balance I am paying for them TWICE. Not only that I have 2 loans and I have chosen to pay off the smaller loan. The fees aren't that much but instead Navient is putting my payments towards the entire amount of both loans even though I have specified exactly which loan I want my payment to be applied to. Since XX/XX/XXXX until XX/XX/XXXX, I have paid a total of {$1200.00} of that amount {$630.00} have gone to interest and late. fees. The total amount that should be paid on Loan 1 is {$1500.00}. How can Navient ADD late fees and interest to my account and then submit my payments only to those fees but my balance does not decrease? Also, since I am given the choice of which loan I want to pay off what right does Navient have to put my payments where they want them to be? Not only that they report to the credit bureaus every month that I am NOT making payments.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: FL

Complaint narrative:
I have sent ( 2 ) two letters to Experian, ( one of the credit bureaus ), after the first letter Experian responded by telling me that they have no credit history of me on file?? Experian stated that I need to send them proof of who I am so that they can proceed with my disputes, they needed a copy of my driver 's license and a utility bill or bank statement with proof of address, to which I did respond to their request. I blacked out my bank account number, but it showed proof of my address and I blocked the signature on my driver 's license to which they did not need ... .. they responded by stating " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity or the information that you provided was not legible '' LOL So I am going to reply with another letter with proof that it is me and also send a complaint to see if that is going to do anything. 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 2020-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX  account for {$4000.00}. Someone used my name and I paid for it 10 plus years ago. Its needs to fall off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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:
My complain is about my account been blocked. 
I am facing challenges with my bitcoin wallet. 
I accidentally sent bitcoin to a wrong address. 
The company this complain is about coin base. 
The us coinbase are the people involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery and associates is continuously violating federal law. By trying to collect a debt that can not be 100 percent validated or verified accurately. Per section 809 ( b ) of FDCPA. 

Account : # XXXX Original creditor : XXXX XXXX XXXX  XXXX {$1900.00}. 

I have sent PRA,, several validation request to accurately validate this debt. By requesting the following. 

: Proof of original creditor ; name address and telephone number : Proof of how they calculated debt they say I owe, original credit limits and past due balance. 

: Proof of last payment made and received, amount & date : : Proof of the right to collect a debt in my state or territory ; : Proof of statute of limitation Under federal law, a debt collection company must provide full and complete validation. Per FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
I opened a account up with Us Bank in XXXX, Wi at the XXXX in XX/XX/2020. With a Promo Code to receive {$300.00}. I met all requirements and there refusing to deposit the money in my account. There liars, and used this checking account offer to get people to use there bank.

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 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The IRS has attempted several times to deposit my stimulus check into my Bluebird account, but Bluebird rejects it every time with a message to contact the IRS. Contact the IRS?? Seriously?? Why won't they deposit my money??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
After activating a replacement citi mastercard that was about to expire, several attempts to use the card were declined. I called customer service but there is no personnel available to discuss the reason. I tried logging in online and saw my account was closed. 

This is the THIRD time in as many years that this account was closed in error ... due to some procedural dysfunction.

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 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
New and situation getting worse. One account turned into three accounts. Inaccurate! This orginally showed 1 account with this company. Now three with different information. Inaccurate open date too. This account I have proof of open date orginal open date said XXXX now it all says XXXX. I never ever opened a government loan with this company in XXXX. Never signed a promissory note ever with them in XXXX with this 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