vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX CB/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL

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 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 my business online bank account was hacked and {XXXX} was wired transferred without my acknowledgement or authorization. I immediately called Wells Fargo Bank NA. to report that I couldn't get into my online banking account and I had to call the 800 number to check my account. I made a claim to stop the Wire Transfer from happening and I was told that it would be investigated by the fraud department. It would take ten ( 10 ) business days. I received an email from Wells Fargo on XX/XX/2021 saying my funds of {XXXX} was refunded back into my account. Checked my account and no funds for that amount was deposited into the account. An amount of {$XXXX} was put into the account and Wells Fargo said that's was all they could recoup and the claim was now closed Wells Fargo told me to wait for the investigation process and then sent email saying funds of {XXXX} were deposited back into my account and it wasn't. I need my full amount back into my account.

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 2021-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Merrill XXXX was advertising a bonus of {$500.00} if I moved my investments from other companies. I moved over {$100000.00} over and maintain {$90000.00} of it in the account after a withdrawal. Merrill XXXX denied my bonus and it's been almost a year and I still don't have the bonus

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 2021-09-13 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:
Equifax consistently keeps lying about an investigation into an existing issue. 

Basically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. 

I then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. 

Shocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. 

I sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. 

I received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. 

Basically Equifax lied the whole time about how they Investigated and that is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2021 i made a purchase at a online store for XXXX and XXXX was selling items from XXXX, XXXX XXXX and XXXX. They basically said that they were selling unclaimed items and everything looked legitimate. However when I looked at my credit card statement the same day and it said " VIRAL STORE '', I started getting concerned that it might be a scam. I immediately contacted the merchant and stated that they should cancel the transaction because something is not seeming right. They assure me that the item had already been sent and if I don't want it they can work something out or I can return. Another red flag was that when the purchase was made it said that USPS was awaiting to pick up item. So I relaxed a bit. The next day I checked the item was in XXXX XXXX in transit to XXXX. I presented all the emails, company had no phone number, and since the person was in XXXX it would take 2 days to get a respond. 
I filed a claim shortly with my credit card company ( Navy Credit Uninon ). Sent all the proof including emails. I had requested that the merchant sent me the return address to have items sent, they refused. I kept getting " we can give you 10 % of your money back to not return the item '', when I said no pls sent me your information to return item, 2-3 days later I will get " we can give you 15 % of your money back '' etc. I told the merchant no, I needed full return and will return the item to the return address that was on the package. They never responded. Now the credit card company ( Navy Federal Credit Union ) which I have been in contact with decided that they are going to return my money back to the merchant and told me that the merchant sent information that I received the item. Total insanity because this was not the issue. I spoke with a supervisor XXXX who was totally clueless, another supervisor told me that she was going to reopen the case when I sent proof that the item was returned because they can not approve refund if the item was still in my possession. I told them that the merchant refused to send me a return address and that I was going to ship it back to the return address on the envelope. I provided them with the shipping information and Navy Credit Union still doesn't want to return my refund. They have not provided me any written information about ruling in this case and justification on why they are refusing to return my money back. When XXXX was questioned about it she told me " I don't know why that information was not provided ''. They have claims adjusters that customers can not speak with, but they determine claim without providing justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I contact Pheonix Financial Services via email about a debt I saw on my credit report from them. I stated that I did not have an account number and that if it was medical debt it belonged to my ex-husband per our divorce agreement in 2019. 

I received a reply from : XXXX XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX toll-free XXXX general fax XXXX Correspondence was as follows : Me : I see a debt from you on my credit report. No information about said debt. No account number. Nothing. If this is a medical debt, I divorced and it is in our legally binding divorce agreement that my ex husband is to cover all medical debt. If this is a bill that never got sent to our insurance, I can not help you because I have different insurance. If you have no idea what this debt is, either do we. 

Her : Thank you for your inquiry, please provide an account/reference number in order for us to assist you. 

If you do not have one we can try locating by any of the following : Address, phone number, or complete social security number. I apologize for any inconvenience. 

Me : The address this mail should go to is XXXX XXXX XXXX XXXX Ohio XXXX. If it isn't a medical billl, then I have no idea what it is and it is probably not my debt. I have no account number because I have never seen this bill. 

Her : That address is not associated with an account in our system. I can try to locate the account with your phone number or social security number. You may also call XXXX and a representative will be able to better assist you in locating the account. I apologize for any inconvenience. 

Thank you, Me : I feel like a search by my name would be adequate if it was a legitimate debt. I feel like this is a phishing scam. The date of your debt corresponds to the address I gave you. I suggest you send out an actual account number to that address identifying yourself and the account in question. I will not give any personal information to a possible scam. 


This debt is XXXX dollars that keeps hitting my credit report over and over. I mean, it is XXXX dollars. My ex husband would have paid XXXX dollars had he seen a bill that was legitimate. 

I don't know what this debt is and I am not getting answers, but my credit score has suffered to below XXXX now because of this mystery XXXX dollars that no one can tell me about unless I give personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Purchased XXXX  cryptocurrency for a list price of {$0.00}, spent {$2300.00} USD. This price was listed higher than other exchanges but since its what many of us have access to. Paying higher was acceptable as the price would grow and wed sell for higher. However Coinbase pulled the rug out and later decided to manually adjust their price to match other exchanges so those of us who paid more on their platform were now selling for less. The price was now {$0.00}! This was NOT standard market movement, it was manipulation by CB. This was illegal, immoral and absolutely recirculate. In seconds my balance dropped from {$2300.00} to under {$300.00}! 

again we all know stocks and coins move, price fluctuates etc. this is NOT marked fluctuation - see the picture its straight manipulation and they have a lot of unhappy customers right now. I either want my {$2000.00} difference imbalance back or an adjustment to my amount of XXXX so I can sell it and retain my total of {$2300.00}. Im not selling in the meantime as I would only get {$280.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 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: CT

Complaint narrative:
This company is XXXX and I have disputed 7 times 1. XX/XX/XXXX # XXXX ; 2. XX/XX/XXXX # XXXX ; 3. XX/XX/XXXX # XXXX ; 4. XX/XX/XXXX # XXXX ; 5. XX/XX/XXXX # XXXX and 6. XXXX ; 7. XX/XX/XXXX # XXXX XXXX XXXX account and they still have not corrected the incorrect information. At one point they added a " repossession that never existed which dropped my credit score 60 points and lost my ability to get a mortgage. I have sent dispute letters and documentation to have them remove this account from my credit reports because it is negatively effecting my credit report. They have to either remove it from my credit report or DO NOT SHOW any late payments and paid as agreed. This account has been closed and was never repossessed. The first late payment was on XX/XX/XXXX and is over 7 years old. Per law The original delinquency is the one that starts the clock. That means the entire sequence should disappear seven years from the first date the payment was late. Which is XX/XX/XXXX. This is over 7 years and I have ask over 7 disputes to please remove and stop reporting all late payments. It should reports paid as agreed no late payments.

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 2021-09-13 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filled out all of my information, then it said our system is down call a number. I call and the guy wants all of my information and he is out of the country. Then, I did again the free credit report and filled out all of my information and it wouldn't work there either. So, no credit report at all. XXXX XXXX XXXX again not working. My information is perfect and I won't be giving it to some guy in another country over the phone. This is ridiculous.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We've been trying to solve this with Chase since XX/XX/XXXX. We paid off our mortgage with Chase and had an escrow balance of XXXX  as of XX/XX/XXXX, but we did not get it back after closing. Instead, we received a letter stating we had XXXX. The money evaporated. We've requested it via email, online, in writing and the only response we've received is that they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I booked a flight using credit card points through Bank of America 's travel portal on XX/XX/2021. The flight was cancelled by the airline in XXXX and I was informed via email to get in touch with Bank of America to rebook. I tried multiple times over XXXX and XXXX to get in touch with the travel center, spending an estimated 7 hours on hold. Because I was never able to rebook through Bank of America, I had to pay for a new flight. After the date of the flight passed, I called multiple times to get my points refunded for the flight. Although I have been promised I will get called back with 48 hours, the calls never come and I have still not been refunded my points. I spent another 2 hours on the line today, only to be told I would not be refunded my points, but that they would be " future travel credits '' that expire in a year and a change fee may be applied if I try to use them. When I requested the points be refunded, I was put on hold for an hour until I hung up.

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 2021-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I received a letter from Radius Global Solutions on a debt that was charged off by XXXX as a bad debt. XXXX attempted to collect on a debt the car was surrendered voluntarily due to XXXX, they left me alone and now they sold it to a collection agency whom is reaching out well after a year. I just want all communication to cease and desist. If I had the monies I would have kept the car people are trying to recover from the affects of XXXX as well as the storm that just ramsack New Jersey and now after well over a year I get this letter. I feel this is a tactic to get money I don't have. When I surrendered the car on XX/XX/21 I was told they would have it picked up the next day, I offered to drive it to the location so I was not charged any additional monies they told me I would not be charged but their people had to pick it up with a flat bed and the guy came with a regular tow truck I was charged for that service when I offered to drop it off. I was given the run around from XXXX from the start and never offered any assistance. XXXX is a very big company I asked to complain to a higher up my complaint fell on deaf ears no one reached out to assist I was also given the run around when I attempted to surrender the car.

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 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/21, I was scammed. I don't know how I could have been so stupid, but these people are obviously real good at what they do. An email appeared telling me I was being charged {$130.00} to renew XXXX XXXX XXXX. I wanted this to be cancelled ; I was to call XXXX. I wound up speaking to a XXXX XXXX @ XXXX. The form appeared on my screen and I typed in XXXX but it came up as XXXX and somehow they were able to doctor my bank ( PNC ) statement to show that XXXX went into my A/C. The guy begged me to wire back the money ( XXXX, deducting a liitle for my trouble ). The money was wired to XXXX ( XXXX Bank ) and of course when I looked at my actual statement the next day, the XXXX was gone. I contacted PNC Fraud ( XXXX ) and they are trying to get my money back but who knows? Details of the transaction are that the money was sent to XXXX to a XXXX XXXX, A/C # XXXX ; swift code XXXX. The XXXX XXXX email address is : XXXX If there is anything you can do to help me, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX I was served a court judgment for a wage garnishment from a debt collection agency called CACH , LLC who obtained counsel. The original debt owed to XXXX  XXXX XXXX apparently, in the approximate amount of {$960.00}, dating back to XXXX. The court order now reads the amount owed to be {$3000.00}, plus various arbitrary fees and interest. To my recollection, I have never owed any figure to that bank. So this all is very unsettling and confusing to me. I believe these charges to be in error, at least, and quite possibly gross fraud otherwise. I have recently begun to rebuild my credit, and this false charge and suit will be damaging beyond repair. I am newly unemployed, unfortunately. It is my understanding that such orders and attempts to collect may be well beyond the statute of limitations according to California law. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was in the forbearance plan for 3 months and me and my lender had an agreement on the repayment plan which is a 6 months repayment plan, I've been paying for 2 months and on time, they filed negative info to all 3 bureaus for 60 late, I called and questioned them but their answers was this is my true status, my account is still being late and delinquent. According to the CARES Act, during the forbearance plan or lender and borrower have reach a repayment plan right after the forbearance, lenders should report the account as current NOT delinquent, lender should not report any negative to any bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation