vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: WA

Complaint narrative:
Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security XXXX, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last XXXX and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021, CHASE BANK denied my application for obtaining credit with the CHASE FREEDOM CARD. This is in violation of 15 USC 1691 ( a ) ( 3 ), of the FDCPA. ( proof attached ). CHASE BANK is not allowed to deny me my OWN credit. Pursuant to 15 USC 1602g and 15 USC 1602j, under the TILA, I am the Original Creditor and I have an open-ended credit plan. Pursuant to the FCRA, a credit report does not determine whether I get " approved '' or not. Credit Reporting Agencies assumed the role of creating credit reports and files. CHASE BANK 's denial has not allowed me to obtain the credit I am entitled to as an Original Creditor and has caused my life stress, violating my rights as a federally protected consumer under 15 USC Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I refinanced my vehicle. I submitted the power of attorney form. In the Capital One app it states that all of my required documents have been received. However they won't send me my title back. I have moved to another state and need to get my title. I already switched my insurance to my new state and because I can't take my title to the new state, the old state has charged me {$890.00} saying I'm noncompliant.. capital one doesn't have a working number to reach customer service for Auto loans. I need assistance and no XXXX answer the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I was scammed out of {$400.00} dollars on XXXX by an individual through XXXX. On XX/XX/XXXX, I was scammed out of {$3000.00} more dollars totaling {$3400.00} dollars through XXXX. I contacted my bank, Wells Fargo, on XX/XX/XXXX, about said transactions and on XXXX separate occasions was told that I did not provide sufficient evidence to obtain my money back by regulation of the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX On XX/XX/XXXX, I obtained and provided my bank with the transcript of the scammer which showed the emails of the XXXX recipients, phone number of their " accountant/ lawyer '' and bank information which included a password, username, and the last XXXX  digits of their social security. On XX/XX/XXXX, and XX/XX/XXXX, I received a response which were exactly the same as one another ( except for the dates included in the letter ) and gave the exact same excuse. My account activity even indicates that I never utilize XXXX when it comes to sending individuals money in the entire year of XXXX, and when using other methods of instant money transfer it is always under {$200.00}. I have made XXXX total complaints with Wells Fargo through the CFPB which has resulted in copy and paste responses from the bank 's representatives. I again provide the transcript of the XXXX  texts which I received through the scammer in the hopes that this is sufficient evidence to show that I was indeed scammed out of my money and that Wells Fargo is lawfully responsible to reimburse me due to the occurrence as stated in the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX My case is not taken seriously and constantly given the corporate response which is compromised of a blueprint in which they fill out the name and date of who and when they're sending the response.

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 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX partys Coinbase Coinbase wallet telegraph gram and antenjoyvip. I had XXXX usdt in my Coinbase wallet I ask Coinbase for a loan they have my a link and said use it on telegram ask for loan. So ask for loan they said XXXX times what I put in leverage brokerage liquidity loan. So they took my money and then XXXX minutes later they say I have to have XXXX XXXX XXXX to get my money back off top. This is thru XXXX XXXX is link to Coinbase and Coinbase wallet. After XXXX years at XXXX I got let go so taking my last XXXX to my name and just no telecommunications or nothing I feel played. I will love to receive my money back. They making money off my money right now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp
State: NJ

Complaint narrative:
I have received notice that these companies are reporting EVICTIONs that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the two charged off accounts that are being reported by XXXX XXXX Bank. I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with Equifax - one charge off is showing 90 days past due 24 times when it used to list zero. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over 6 years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the three bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TX

Complaint narrative:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. 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 2022-02-03 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: PA

Complaint narrative:
Transunion and XXXX have both been complicit in failing to help me with my identity theft. XXXX removed the two XXXX XXXX accounts that were identity theft and XXXX and Transunion said that they would with the police reports and FTC reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX at Transunion and XXXX XXXX, Vice President, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, Direct to Consumer at XXXX XXXX XXXX, XXXX at XXXX. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated FTC identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against Transunion and XXXX for reporting fraudulent information.

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 2022-02-03 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: CA

Complaint narrative:
I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted Transunion, XXXX, and XXXX.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card XXXX this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

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 2022-02-03 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: CA

Complaint narrative:
I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, XXXX, and Equifax.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXXdentity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My credit card was issued by XXXX on XX/XX/XXXX it was sold or transferred to Westlake Portfolio Management in XX/XX/XXXX, due to XXXX going out of business. My monthly payments were always {$35.00} due on the 1st of each month. I made my first payment on XX/XX/XXXX with a customer service representative. When XXXX & XXXX came my payment was considered 3 & 9 days late and I was charged a late fee which I paid. My XXXX payment was made on XX/XX/XXXX via the mobile app but my payment posted on XX/XX/XXXX and I was charged yet another late fee. On XX/XX/XXXX I called and spoke with a customer service representative named XXXX, I had previously spoken to 2 other reps but the calls were disconnected both times. XXXX said that my payment was considered late because their system doesn't post the payment until 24 hours later, I told XXXX that I have never made a payment on the due date and it be considered late. XXXX said she would put a request in to have the fees reversed and it could take 24-48 hours she said to call back and verify that it was reversed XXXX also processed my XXXX payment for {$45.00}. I checked the mobile app on XXXX and noticed that I was charged another fee of of {$9.00} for an unknown reason. I checked again on XXXX and was charged yet another fee of {$9.00} bringing my total due to {$19.00}. I called on XXXX and spoke with 5 different reps of those 5 I was disconnected 4 times by the rep when they were suppose to transfer me to their " credit card department '' the 5th time I called I spoke with XXXX who said that they did not have a credit card department he then transferred my call to XXXX XXXX, XXXX looked into the account and said that the fees were justified because my payments were considered late. She said she would request a call back from a department who can handle my account. The contract details say that the amount financed is {$650.00} with a 0 % APR and a monthly payment of {$45.00}, the contract states it ends on XX/XX/XXXX, this is all incorrect I am being charged interest and it is not been disclosed to me with those amount I would end up paying {$1400.00}. I sent an email to XXXX expressing my issues about my account I received a response that said I needed to speak with a rep, unfortunately their reps just like to disconnect the calls and can't help with my account. When looking at my statements I am being charged interest but the balance amounts do not match.

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 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, Credit Collection Services is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct banking transactions and is harming my consumer report. Selling my Personal Information without my written which is a violation of my privacy. Debt does not belong to the Consumer XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had insurance with XXXX XXXX in XXXX. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, XXXX XXXX XXXX is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over XXXX points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing. And I am unable to dispute this account with the credit reporting agencies.

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 2022-02-03 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: EQUIFAX, INC.
State: ME

Complaint narrative:
Ive been unable to obtain my Equifax credit report for over a year now. When I applied for a loan they said Equifax has incorrect information for me. Ive tried to have them fix my account and update my information but nothing has happened. This has hurt my credit due to denial of a loan because of equifaxs poor customer service.

Company response to consumer: Closed with explanation