vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: NY

Complaint narrative:
EXPERIAN IS INCOMPETENT AND REFUSE TO DELETE FRAUDULENT INFORMATION AFTER I HAVE PROVIDED PROOF THAT THE FRAUDULENT ACCOUNT DOES NOT BELONG TO ME, IT HAS BEEN 5 MONTHS THAT I HAVE DISPUTED THIS FRAUDULENT ACCOUNT AND FRAUDULENT HARD INQUIRIES AND EXPERIAN STILL IGNORES ALL DISPUTES AND CLAIMS THE INFORMATION TO BE ACCURATE WHEN THE CREDITOR CONFIRMED IN WRITING THAT THE ACCOUNT DOES NOT BELONG TO ME, PLEASE SEE MY LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU ATTACHED TO 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 2020-08-10 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 — Problem with personal statement of dispute
Company: BAS Receivable Management Inc.
State: CO

Complaint narrative:
I had to be hospitalized in late 2019. I had insurance and I had XXXX This company keeps trying to get XXXX from me. They are committing insurance fraud because they did not submit my bill to XXXX. They put my account into a major derogatory status which the actually owe me money because I paid half of the bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have had ( credit card ) charges denied three times in three weeks. Our bill is paid in full each month, so it is not due to our behavior. US Bank is becoming overprotective and seems to think everything is going to be a fraudulent charge. I have spent many minutes on the phone getting my card " unlocked '' when I have done nothing wrong! US Bank is clearly more interested in holding on to their money than they are in my being able to use my credit card consistently. 

Approximate dates of denial of charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They agreed to have text messages sent to me when this occurs so that I can quickly say " Yes, that is my charge, '' but today 's denied transaction gave me no such message. 

THE PROBLEM IS THAT THEIR IS NO INCENTIVE FOR US BANK TO CHANGE THEIR BEHAVIOR. I can be penalized for MY mistakes, but they are not being penalized for theirs.

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 monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
The first I herd about this debt was XX/XX/20 I called and tried to work with them, I never heard back from them until XX/XX/20, Once again I tried to work with them I first spoke to a XXXX XXXX at MCM he gave me the option to pay today or send my account to an attorney XX/XX/20 I explained to him one day is not a reasonable time to give someone to pay a lump sum or be sued without notice. XXXX advised my they received my account XX/XX/20 and it was going to an attorney XX/XX/20. I spoke to his Manager XXXX XXXX who was very rude and unprofessional asking me personal questions that had nothing to do with the account, he then stated he was sending my account to an attorney tomorrow because I'm refusing to pay, I explained to him i was not refusing to pay on an recorded line he stated i was, I just don't understand how you can threaten to sue someone without proper notice. I'm sure this has to be in some kind of violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Multiple transfers were made on coinbase.com as well as coinbasewallet 1. I transferred about XXXX $ usdc to link coin to my coinbase account. Nothing showed up, says the transfer went through but I dont see the funds in my account 2. I transferred bzrx token to usdc and I never received that either. Transaction said it went through but I dont see anything in my account. 
3. I transferred XXXX of BZRX to ETH on coinbase wallet and it also said the transaction was a success but when I check my funds nothing is there?! 
Ive contacted coinbase support multiple times about this issue and I still have not received any type of help at all. This has been ongoing for 3 weeks now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I filed dispute ( CITI Bank DISPUTE # XXXX ) with CITI BANK issued Master Card ( MasterCard Case # XXXX ) for an Air  ticket/s   booking made via travel agent ( XXXX/XXXX  ) as the airline cancelled my flight due to COVID-19. 

I was qualified for a full-refund by the travel agent through which I booked the flight per the federal regulation issued by US DOT. The airline ( XXXX XXXX ) REFUNDED the FULL Amount to this Travel Agent ( XXXX/XXXX ) on XX/XX/2020. Yet, the CITI BANK refused to re-open my claim against this charge. 

Further, when merchant/travel agent ( XXXX/XXXX  ) has agreed to issue me a FULL REFUND but want an " Official Charge Back Withrawal '' regarding this transaction, the CITI Bank is NOT responding to various requests that I have made over a period of 1 month. It is critical that CITI Bank provides me with an official Charge Back Withdrawal Letter so I can be issued my refund by this merchant. I have made numerous atempts by phone & emails but CITI BANK is not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
. 
Your company is being asked to forward a formal letter Fia Card Services Na is to write : Your company Fia Card Services Na does not have a present judgment vs XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX cell/text

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I WAS INFECTED WITH XXXX and also the tenants loss of income due to the covid -19 impact on the economy Specialized loan promised a 2nd 3 month forbearance and they called today and said they can not honor that and they mislead me. 

specialized loan services and the investing bank has mislead me and lied and will not honor the 2nd forbearance on loan LOAN NUMBER XXXX property address XXXX XXXX XXXX XXXX FLORIDA XXXX -- -- - SPECIALIZED LOAN SERVICES Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( 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 explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Both accounts are over the 7 year mark. They should not be reporting at all. I have written proof last payment was made over 7 years ago and these accounts are passed the 7 year mark and need to be removed. Please stop reporting old accounts and please remove asap. Thank you BOTH Accounts Below. 

account XXXX account 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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Both accounts are over the 7 year mark. They should not be reporting at all. I have written proof last payment was made over 7 years ago and these accounts are passed the 7 year mark and need to be removed. Please stop reporting old accounts and please remove asap. Thank you BOTH Accounts Below. 

account XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a message from ( XXXX ) XXXX, despite signing up for XXXX XXXX. 
The message said that {$290.00} would be deducted from my account for renewal of computer services if I did not call back. 

Having called the number above, I then spoke to XXXX from XXXX XXXX ( at XXXX or XXXX ). 
I was told that I would be charged either {$290.00} or pay {$140.00} by wire transfer, in which case the payment would be refunded immediately. 
I went to my branch of Chase Bank at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to wire {$140.00} from my checking account to the account specified by XXXX : a/c name : XXXX XXXX  XXXX  Account No. XXXX at XXXX XXXX. 
The Chase employee with whom I dealt at that time did not confirm the purpose, recipient or amount of the wire transfer. 
Despite my request to transfer {$140.00}, the amount that was actually transferred was {$14000.00}. 
I was asked to text an image of New York State drivers license to XXXX at XXXX, and sent the image of my license at approximately XXXX XXXX. 
On XX/XX/XXXX, I realized that {$14000.00}, rather than my requested {$140.00}, had been debited from my checking account. 
In reviewing my Chase account transactions online, I learned that an unauthorized transfer of {$2900.00} from my savings account to my checking account on XX/XX/XXXX. 
As soon as Chase opened on XX/XX/XXXX, I visited the same branch to report the incorrect wire transfer amount as a possible fraud, but was told by XXXX, an employee at the Chase branch, to call Chase customer service instead. 
Speaking again with XXXX, I was told that a check of {$15000.00} was written and deposited in my name. I printed a copy of the image of the check that XXXX said that he was depositing for me. 
On XX/XX/XXXX, I returned to the same Chase branch for help with the fraudulent wire transfer and the unauthorized savings-to-checking transfer, after being on hold with Chase customer service for many hours, but was again told to call Chase customer service. 

I called the XXXX XXXX Police Department and reported the fraud to Officer XXXX XXXX ( XXXX ). 
On XX/XX/XXXX, My daughter accompanied me to the same Chase branch to report the fraudulent wire transfer but was told by XXXX XXXX that he remembers me talking to XXXX but we cant help with international wire transfers. This was an incorrect description of the situation : the transfer was in fact domestic, to XXXX account no. XXXX, as stated above. 
I asked another representative at Chase to finally write an official report regarding the fraudulent wire transfer and to call the Chase Fraud hotline. I also wrote Attorney General, Senator XXXX, FTC, FBI/IC3 etc. I called the recipient bank XXXX XXXX  in CA, as well as reported the fraudulent check to XXXX XXXX XXXX, and the imposter to XXXX  XXXX/XXXX  XXXX. However, XXXX  and the help of NY congresswoman XXXX XXXX has been the most helpful.

Company response to consumer: Closed with monetary relief