vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Second Round Limited Partnership, Austin, TX Branch
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  credit card was open using my name. I did not know about this credit card debt until I got served with judgement papers on XX/XX/XXXX. I called the company which did not even had my whole first name. I asked them to send proof this debt was mine. XX/XX/XXXX I received over 300 pages of account statement all date starting on XX/XX/XXXX. According to XXXX XXXX lending company I made a payment on the amount of {$160.00} dollars on XX/XX/XXXX. I send then a reply to judgment with my partial bank statements ( all personal information was left out as well as my bank routing and account number ) that proves I never made a payment to XXXX  credit card as they mention. or neither I have paid anything on this debts because its not mine. On my conversation on XXXX, XXXX with XXXX and associate debt collector i told then not to contact me no more by phone or mail. And I am willing to hire a lawyer to represent me on court in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
HI MIDLAND ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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:
On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXX XXXX. A licensed Mortgage Professional XXXX XXXX XXXX XXXX was trying to assist us. XXXX XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was XXXX  with a XXXX score. At the end of the credit report gives information as to why Equifax and XXXX could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, EQUIFAX. 
XXXX  : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from EQUIFAX that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On or around XX/XX/XXXX /XXXX  XXXX. I used the app XXXX through my JP Morgan Chase account. I was told this app was a safe and secure way to send money. I have used this to send money to my sons in past. When I used it this time, my Son never received the money. I called the bank and to report this. I was told to file a claim. Next, I went to my local branch asking them to investigate where my money went. I was told both on the phone and in-person that an internal transfer had been made and the bank would have to contact the account holder to get it back. I explained MY SON DOES NOT HAVE AN ACCOUNT WITH CHASE SO IT COULD NOT HAVE GONE IN HIS ACCOUNT. Then I received a letter XXXX XXXX saying they would credit my account while conducting an investigation. Then on XX/XX/21, I received a letter saying they finalized their investigation and found no error on their part and they would be taking the {$1000.00} dollar back!!! This makes no sense to me because I DID NOTHING WRONG except trust the fact they would see the name on the account did not match my son 's name. I work hard for my money and I was just trying to help my son. He has XXXX  problems and had been out of work. Losing {$1000.00} is a hardship to me. I'm XXXX and don't have that kind of money to just write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by Paypal IMMEDIATELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I began the process of purchasing a commercial building for my business. I applied for and was approved by XXXX for a loan. In XXXX of XXXX Wells Fargo Bank, XXXX filed a deed of trust to secure a bridge loan using my residence to secure the transaction. 
Amount : {$160000.00} Dated : XX/XX/XXXX Trustee : XXXX XXXX XXXX, a Corporation Beneficiary : Wells Fargo Bank , National Association XXXX XXXX. : Not set out Recording Date : XX/XX/XXXX Recording No : XXXX, of Official Records In XXXX of XXXX we conclude the transaction and the DoT was then applied to the commercial building, but WFB did not reconvey the previous DoT on my home. My lender, XXXX XXXX XXXX have been trying to close a refi on my home. Since XX/XX/XXXX several efforts have been made to obtain the paid-in-full or reconveyance from WFB. 
Recently, XXXX  did more research and found a reconveyance for the cross collateralized loan off my commercial property- it shows that 2 deeds of trust were recorded for the same loan 1 on my primary residence and 1 on the commercial property. Wells Fargo only reconveyed the loan off the commercial property. Luckily there was a loan # on that reconveyance. XXXX  called Wells Fargo back as of XX/XX/XXXX and they have escalated the request for a paid in full letter and reconveyance. We have no further word. 
The lapse of time has resulted in two expired rate locks and a probable increase in the final interest rate and costs. 
Is there anything that can be done to have WFB release my property?

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 2021-06-18 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:
I have a credit card account with XXXX  showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

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 2021-06-18 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: PA

Complaint narrative:
I have a credit card account with XXXX  showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I was not able to get my annual credit report from XXXX or from EquiFax when I followed the procedure outlined on XXXX. I did succeed with XXXX. The other two either flat out said they were not able to provide a credit report, or insisted I mail in the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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:
I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

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 2021-06-18 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: TX

Complaint narrative:
Trying to change address and telephone number to get in on my on line account ... ... I have made over 17 calls to Capitol one Customer service since last XXXX when I relocated to Texas from Iowa, they all say I will never get on line to pay bills by internet unless I get a phone in my name??? ... ..They will not allow me to change my phone number since I am on my Daughter and Son in Laws XXXX Account ( they own XXXX stores in Iowa ) so I get a better deal ... ... ..They say I have to get a phone in my name for me to get on line to pay my bill. Never had any problem until I got rid of my land line when I moved..It 's going on 8 months now I have been trying to get this issue solved ... It's been challenging needless to say ... ... ... They also stopped my paper billing at the same time so I couldn't change my address or telephone that way ... *sigh It's very frustrating to call each month to pay by phone and not be able to see charges etc ... .I hope someone can help me get this problem solved..Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Monday, XX/XX/2021, I contacted Bank of America seeking assistance in getting a duplicate mortgage payment that my credit union ( XXXX  ) had mistakenly sent. An automated Bill Pay transaction was sent on XX/XX/XXXX ( early because of XXXX XXXX XXXX ) and again on XX/XX/XXXX -- for a XXXX mortgage payment. When I notified XXXX on Friday, XX/XX/XXXX, they attempted to " stop '' the automated transmission, they advised me to contact BoA for a refund. BoA mortgage customer service and electronic services told me to have the credit union fax a statement acknowledging that the {$2200.00} had cleared my account. I provided the BoA fax number and XXXX confirmed the fax was sent and told me to allow BoA 3-5 business days. When I contacted BoA on XX/XX/XXXX they said the fax did not look legitimate, it was not on letterhead, did not show a transaction balance and they rejected it. But they did not contact XXXX nor me to advise us of the issue. When I asked BoA if it could be counted for the XXXX mortgage payment, they told they had already done that and my next payment would be XXXX. Without checking with me on this option in advance, I was expecting BoA to credit it to the principle. This inconvenience forced me to transfer funds from my credit union savings to checking to ensure all expected deductions would clear properly. I communicated with BoA AVP Resolution XXXX XXXX Escalations for Mortgage Vehicle Service on XX/XX/XXXX and did not get the response I was expecting.There is a communication problem here on how electronic payments are handled. My credit union told me that BoA has a policy to not talk with them about client electronic issues when they have attempted to call them in the past. I don't think BoA acted in good faith in trying to assist me in getting a refund in a timely manner ( between XX/XX/XXXX and XX/XX/XXXX ). Where was the ball dropped? In Customer Services? Electronic Services? What checks and balances are in place to prevent this from happening to another BoA customer. With XXXX and other hackers attacking business and financial accounts, I would think there would be a better protocol for both banks and credit unions to ensure quick recall or correct of electronic transactions is in place. 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 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
( THE SELECTION OPTIONS YOU PROVIDE DID NOT FIT ) A dispute on the 3 cra XXXX, XXXX, and XXXX  was initiated in XX/XX/XXXX for an alleged bill claimed to be owed to XXXX  for the alleged amount of {$330.00}. I had disputed this bill numerous times and with XXXX, regarding not being properly credited for a closing bill they claim the billing is correct I still dispute it as I believe I owe far less more like under {$100.00} if anything. I was not notified in writing ( not that I can recall ) that this debt had been forward to convergent outsourcing acting as a third-party collector on behave of XXXX. Convergent started collections and reporting on my credit reports, Long story short after their numerous attempts to collect, for the full amount or 50 % they were trying to extort out of me, management ( per XXXX  ) agreed upon an amount of {$130.00} on XX/XX/XXXX, they were supposed to send me a written agreement which I requested before I would pay in full the agreed upon amount, on XX/XX/XXXX they finally sent a written agreement via email, with an error, the due date was the next day XX/XX/XXXX and this was not discussed with me, so on XX/XX/XXXX I called and spoke with XXXX XXXX and asked her for a corrected settlement agreement in which, I was assured it would be sent to me shortly. on XX/XX/XXXX I called asking where was the written agreement and that I would pay the XXXX that day instead of honoring the written agreement with the wrong due date, they chose to try and bait and switch me to pay a higher amount. My concern is since I have a written agreement and they will not honor it, how can I be sure that they will honor any agreement we come to and pay XXXX  including reporting this debt as being paid. I do not want to be scammed after paying an agreed-upon amount and then this collection company pulling a bait and switch again and going after me for more money, I thought anything in writing is supposed to be a legit agreement.

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX A XXXX  credit card was open using my name. I did not know about this credit card debt until I got served with judgement papers on XX/XX/XXXX. I called the company which did not even had my whole first name. I asked them to send proof this debt was mine. XX/XX/XXXX I received over 300 pages of account statement all date starting on XX/XX/XXXX. According to XXXX XXXX XXXX XXXX  I made a payment on the amount of {$160.00} dollars on XX/XX/XXXX. I send then a reply to judgment with my partial bank statements ( all personal information was left out as well as my bank routing and account number ) that proves I never made a payment to XXXX  credit card as they mention. or neither I have paid anything on this debts because its not mine. On my conversation on XXXX, XXXX with XXXX and associate debt collector i told then not to contact me no more by phone or mail. And I am willing to hire a lawyer to represent me on court in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: GA

Complaint narrative:
There are multiple accounts on my credit report that are not mine

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 2021-06-19 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: GA

Complaint narrative:
There are multiple accounts on my credit report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I found my coinbase crypto account was transferred by a scammer with a huge sum of two times Total {$100000.00}. Then I wrote an email to coinbase to remain them some fraud company to transferred my money away. Coinbase reply me email said need 5 business day to solve the problem and locked my coinbase account. but until now it is over two months, coinbase never answer me and I email to them many time, they dont answer me and still locked my account, I still have some bitcoins in my account, they are illegal locked my personal account, They are responsible for the loss of my account.

Company response to consumer: Closed with monetary relief