vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
I am being billed and called and harassed by titan receivables. They have sent me these bogus collection letters in the mail. They are claiming that I owe XXXX $ For an account that is not mine. They have even reported this false information to XXXX  credit bureau. This account was sold to them by XXXXXXXX XXXX XXXX. They are claiming that I borrowed bond money for a person I do not know. I spoke to XXXX from titan receivables who claims to be an attorney. He advised me to file a police report and I did. I had an argument with him where he stated to me do you know how many people borrow the money and later claim it is not them. I then asked him to send me a copy of the original documents showing my signature for bonding and bailing out this person. He still has never sent me this information because he cant. Its a fraudulent account and claim. He also called me and told me he would personally remove it from my report. When he failed to do so I filed a dispute with XXXX to investigate and attached was my police report. It was not removed and since has remained on my report. If there is anything we can do please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I XXXX XXXX been with Capital one for 11 years now. In the 11 years being with Capital one I have got three different cards went the company. I have managed to keep all three of my accounts in good standings, and recently get all my balance down to XXXX. Now that I have been adding my family as Authorize users capital one has restricted my accounts from me doing anything. I am totally aware ND TAKE FULL responsibility for each and every one of them as agreed when I added them. So why is capital one restricting my account asking me to provide I.D . AND Social Security card for each of them, and stated to me even if I removed them my account still will be restricted until I do so. Some of my users don't have this information is why they on my account to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CA

Complaint narrative:
The information in my credit file is inaccurate. there are several months that I'm listed in collections " C '' when I was not. I was only ever required to pay {$15.00} per months and at times paid more when able. In addition, in XXXX I made a settlement agreement to pay {$1400.00} instead of {$1500.00}. In XX/XX/XXXX I paid the agreed amount in full. I only have two open accounts and this continued error has been detrimental to my credit rating. 

The inaccurate months are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Hello, I have a bank account in the US with XXXX which is supported by Wells Fargo Bank. 
On the XXXX XX/XX/2021 I made a transfer to : XXXX XXXX Wire XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX United States Amount : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX The routing number for this bank was XXXX, but I was informed by XXXX that I need to change the number to ACH XXXX. Link below : XXXX XXXX XXXX  The thing is that XXXX  company didnt get the payment for Stock number XXXX till this day and dont see the money on their account. 

Please help to receive my money back as I was misled by to official information put by XXXX. 


Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
Hello! It's been a week since I registered with the cryptocurrency exchange " Gemini 'XXXX, using their website and phone app, and gave them all of my personal and banking information so I could use their services. I gave them my name, email, cell phone XXXX street address, sent photos of my state driver 's license, and even successfully linked them to my bank checking account using my actual bank username and password. Here we are a week later, however, and my registration process is frozen in the " Identity pending verification '' phase. This means I can not buy or sell anything on their platform, apparently I can deposit funds but not withdraw them ( Which is a fraud in itself ). In other words, they recieved all of my sensitive personal data, leaving me in a dangerous position, and I still can not even access the services I signed up for. I only need to use their exchange, and when I submit a support inquiry I only get the " High application volume means slow service '' excuse. Which is fine, but they should have warned me of that BEFORE I gave up all my sensitive info. Please contact them and demand that they expedite the ID verification process. My username for the Gemini platform is XXXX, thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
On XX/XX/2019 my brother had my id and went to a XXXX and got a loan in my name for looks like XXXX. I've been trying to dispute I've called them there still saying its my loan. I have a copy that came from there XXXX ohio branch of my id and a picture of him in the XXXX day of loan clearly not me there's a. Part on the paper that says must read notes one says the starter check he gave them was fake so was his pay stub and he don't have a cdl license I want them to remove from my credit immediately thank you the collection agency is national credit adjusters, the loan came from XXXX XXXX XXXX in XXXX gave him the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CA

Complaint narrative:
The information in my credit file is inaccurate. there are several months that I'm listed in collections " C '' when I was not. I was only ever required to pay {$15.00} per months and at times paid more when able. In addition, in XXXX I made a settlement agreement to pay {$1400.00} instead of {$1500.00}. In XX/XX/XXXX I paid the agreed amount in full. I only have two open accounts and this continued error has been detrimental to my credit rating. 

The inaccurate months are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also this company never gave me paperwork informing me that I have the right to Opt out of these items being reported to my credit report. That is deceitful and against the FRA LAWS. please see attached invoice for the remedy of civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: UT

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2020, I deposited {$350.00} into my account and immediately my account got locked. I made contact with the financial institution and they refused to unlock the account and for 9months I've been trying to get my {$350.00} returned to me and they will not return my funds. They claim it'll be returned back to me via check, but they never send anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd

Complaint narrative:
Hello. The XXXX company blocked my account without explaining the reasons and does not respond to my letters of support about the amount of funds in my account XXXX the estimated amount is about 25-30 thousand dollars ) and the timing of their withdrawal. 
I can't wait for an official document on the impossibility of a refund wrong trasfer for about two months. And near 1 week I dont have answer for my emails about refunds my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hi, Please take necessary action on fraud.I suspect my x-Husband XXXX XXXX XXXX.We are no longer living together from past 1 year.I can share you all documents which are required for taking legal action on fraud.My SSN, DOB, Full legal name was misused and opened multiple new credit cards on my SSN, XXXX  XXXX XXXX, transunion has added to my XXXX XXXXXXXX.I am no were responsible for new credit cards opened on my SSN.As i am living in XXXX from past 1 1/2 years.I haven't opened any credit cards or bank loans on my name.I have already filed a compliant against this.Please do further investigation and take necessary action on fraud.And please i am requesting you to block my SSN.I have already blocked my SSN on online but my x-Husband does know all my personal details like SSN , DOB, Full legal name.He might can unblock my SSN again and he mighjt use my SSN and open new credit cards for his personal use.Please take necessary action on fraud. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I was scammed out of {$350.00} by XXXX and they refuse to return my funds. I reached out to Capital One and they have the ability to get my funds back, but refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
Ok on XXXX I received my taxes on PayPal then I sent XXXX To my wife 's PayPal account then the same day I withdrew XXXX  XXXX .Then I recieved a email saying that I had to verify my information and I sent my driver 's license to them complied with all their requests. So the tell me I can get my funds in XXXX XXXX So that sunday they sent me a email stating that I can no longer use pay pal and I have to wait 180 days to get my money. I used the XXXX XXXX to buy my wife a car I've never committed any type of fraud or suspicious behavior. This was me and my family 's stimulus money from the government and they have really put me and my family in a hard place. I've called them and sent appeal letter I really need your help theres no way by law they can hold our money that long. We had not got any money for stimulus during this whole pandemic till XXXX. Please resolve this for us.Thanks.XXXX this is my reference #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am very sorry, that I was unable to fulfill my obligation to the original creditor for credit. If the original creditor is not seeking their money I do not believe that a, third-party fourth party, fifth party, should have the ability to collect money that the original creditor has already written that loan off. I dont understand whos getting the money the collection agency with no skin in the game or the original creditor that doesnt want it because XXXX write it off on their Texas. All Im asking for is to remove this collection from my credit report.The account was closed on XX/XX/2020. Charged off account : Account closed by credit grantor Amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: GA

Complaint narrative:
This complaint is about the XXXX bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had a time share with XXXX vacation which was sold to me as a real property and I pay monthly mortgage only to find out that it was just a time share. So, I got the contract cancelled in XXXX, the account was charged off with XXXX balance since then. But somehow it says balance due {$660.00} although the account has been closed and says current balance {$0.00}. When I purchased my personal residence in XXXX and XXXX, this issue popped on my credit report and I worked with my lenders to get the deals over the finish line by sending in a check for {$660.00} but the check was returned because the account has been closed and they could not take the payment. So, I asked Experian to reach out the XXXX and resolve the issue, and told them I am willing to pay whatever is due if need be. They said, " we can't dispute this since the case is closed, if they are not taking the payment, there is nothing we can do '' then somehow they decided to dispute the claim, took my info and said they will notify me once they complete their investigation. Few days later, they emailed me saying " status remains ''. They told me I have to wait till XX/XX/XXXX before this " delinquency '' drops. I strongly believe this is wrong, and unfair. Experian did not make a good faith effort to resolve this case and I just need this to come off my credit report. If they properly disputed and investigated the case, I believe there would be a different outcome and I would like to see what their investigation, if any, uncovered. I appreciate all your help resolving this matter. 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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
I opened an account with Gemini Trust Company to buy crypto currency on XX/XX/2021. I was able to buy {$500.00} worth of crypto. Now I can't withdraw my money, buy, or sell any of my crypto. I've emailed Gemini Support. It's been over a month and I still haven't talked to anyone to have the problem resolved. At this point I just want my money back from Gemini.

Company response to consumer: Closed with explanation