vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
XXXX : XXXX IS A SCAM I received a very good scam letter in the mail proclaiming that i owe XXXX from a paypal debt issued but when i call XXXX they inform me that this is in fact a Scam I was able to dig up some info regarding this scam and I stumbled into something i want to pass along The link above TRICKED ME into giving my last 4 of SSN. 

my reference ID the scammers assigned me is XXXX to a XXXX XXXX account # XXXX that they want me to pay The address on my Fake debt Letter is AMERICAN CORADIUS INTERNATIONAL LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX phone number on my fake debt letter to contact is XXXX This is where they want me to send the money I dont owe The rabbit hole goes deeper. 

The return address on the fake debt is XXXX XXXX XXXX XXXX Tx XXXX which belongs to a home owner fronting it as a commecial printing company called XXXX XXXX I managed to find phone number connected to this scammers home address XXXX And XXXX they print professional documents from home which explains how they were able to send out this believable fake scam letter that looks like a blank check. I dont know if the CEO of XXXX XXXX who is based out of New york is a part of this but here is his email ( XXXX XXXX ) XXXX Perhaps he can be helped to discover that if its not him doing this then its one of his 29 employees using his commercial printing business to also create fake debts and send them out to people under a company that is actually legit but has nothing to do with this. 

I am Training to become a XXXX  XXXX. Imagine the information I could retrieve and continue to dig and discover. I mainly just want this operation to Cease trying to scam myself and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Vehicle was repossessed after paying for 4 years amount owed on contract to XXXX it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it

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 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Debt Collector - Phoenix I was alerted today by the XXXX XXXX app that my scored had dropped tremendously, over 35pts to be exact due to a medical collection for XXXX from XXXX XXXX XXXX XXXX that shows it was opened XX/XX/2021. There should be no medical bill issued under my name and further more i have not been contacted about any such debt. 

Please have this account removed from all the credit reporting agencies immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
Equifax continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints were closed without the removals made or documentation supporting the items remaining on my credit file. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX XXXX XXXX, submitted a letter for the removal of these incorrect items ( attached ). No response from Equifax. A follow-up letter was submitted on XX/XX/XXXX. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Equifax attached ) Account Number XXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 3 prior CFPB complaints filed for Equifax attached ) Account Opened XX/XX/XXXX Account Closed. 

XXXX XXXX ( 2 prior CFPB complaints filed for Equifax attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX BANK ( 2 prior CFPB complaints filed for Equifax attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that Equifax remove these 4 incorrect items from my credit fil per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 a Capital One Credit Card Representative XXXX Agent # XXXX read aloud on a recorded line the reason my credit card account was being closed is because of criminal record history that was provided to her by their reporting agency. This agent refused to provide me with the agency that furnished Capital One with this information. Despite numerous requests for the agency information that provided Capital One with the this information about me for credit purposes, I was continually stonewalled by capital and and told they had the right to deny me this information. The FCRA gives me the right to be told if information in my credit file is used against me to deny my application for credit, employment or insurance. The FCRA also gives me the right to request and access all the information a consumer reporting agency has about me ( this is called " file disclosure '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, the initial settlement agreement with Kohls was made for XXXX. The initial agreement was for 3 payments for XXXX, XXXX, and XXXX ( XXXX cents more for whatever reason ). Due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. I later received a letter before the first payment was due, dated XX/XX/XXXX. The letter states the same three payments due on XX/XX/XXXX, XX/XX/XXXX, and NA. 
On XX/XX/XXXX, I called and made the payment totaling XXXX from two accounts. On XX/XX/XXXX, an automatic withdrawal of XXXX was taken out of the account. I was expecting XXXX to come out as my second payment. So I called on XX/XX/XXXX to get more information. Supervisor XXXX states the agreement was broken as of XX/XX/XXXX. Kohls is not honoring the written agreement. The representative and the supervisor would not even acknowledge the letter or give me the opportunity to make the last payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Contacted the bank informing them I needed them to cancel a transaction they say if they werent able to do anything about it.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with Experian and XXXX about the unverified account XXXX/Account number XXXX and XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX was remove from XXXX because it was deemed unverified, but Experian and XXXX have yet not removed it from their reports yet and I have asked for their methods of validation several times. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. 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 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accountsthat does not belong to me and i want it to beremove asap. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: FL

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

VW CREDIT XXXXXXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with XXXX and Transunion about the unverified account XXXX/Account number XXXX and XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX was remove from XXXX because it was deemed unverified, but XXXX and Transunion have yet not removed it from their reports yet and I have asked for their methods of validation several times. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. 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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several letters to All Three major credit reporting agencies and the creditors to dispute any/all inquires that I do NOT recognize and they still refuse to remove them from my report. 

These inquires are as listed : Equifax Inquires- XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX Inquiries : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX  XX/XX/2021 , XXXX XX/XX/2021. 

XXXX Inquries : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXXXXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a hotel room through XXXX for {$690.00} for a quadruple room for 4 people at the XXXX XXXX XXXX XXXXn FL. Once i received my confirmation email I was booked for an private owner condo. 
I contacted the hotel number that was provided and found out that this was a XXXX XXXX XXXX XXXX and the owner did not have a room that can fit 4 people and does not list any rooms with zenhotels, doesnt even recognize the company. 
i contacted XXXX and emailed screenshots with the descrpency between what was booked and what was on the confirmation page. They recognized the mistake but stated that the room was non-refundable and that they would need to investigate to determine how to resolve the issue and could not refund me at that time. 
i then contacted my credit card company HSBC and disputed the charge, they initially refunded the money back to me but then charged it back due to the charge not being considered fraud.i then enetered another dispute and listed as billing error and provided the company with multiple emails. 
XXXX XXXX eventually agreed that i should be given a refund but stated that i would have to wait for my bank to grant the chargeback.Email provided. 
Since then HSBC has stated that XXXX  has confirm the charge by providing my information ( duh since i made the charge ) and has granted XXXX the phone without looking at my proof of billing error. 
They have also charged me an additional {$690.00} on XX/XX/XXXX for the same charge. I know have almost {$1300.00} worht of charges from the one merchant for something that i did not book as well as did not use. 
No one from HSBC dispute department has given me a call or email me back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
Binance.US is preventing me from withdrawing funds since XXXX of XXXX and claims that withdrawals are " suspended due to risk management ''. I've attempted to contact Binance through email several times to rectify the issue ( since XX/XX/2021 ) and have received nothing more than a generic, automated response. There is no way to contact Binance.US via telephone. 

As of today, there is currently {$4100.00} in the account. At one time I attempted to withdraw funds, my portfolio value was approximately {$10000.00}. 

I ask for any and all available relief available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Porania, LLC
State: NY

Complaint narrative:
I have these accountsthat does not belong to me and i want it to beremove asap. 

1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: UT

Complaint narrative:
Bought a car through XXXX had no problems until the pandemic hit. Hours where lowered in XX/XX/2020 I contacted American Credit Acceptance about diving up my payments. When I did this a payment was missed they never contacted me. When I tried to work out a plan their plan was to pay the amount they wanted and nothing else. The car went to repo XXXX said they would help me refinance if I got it out. I got it since then I have split the payments they are charging me {$11.00} a day in interest the principal has not been paid on at all. The contract set the interest at 28 % yearly. They took this loan knowing I had a low credit score when I ask why they didnt refuse the loan there is no answer. I cant refinance the car because the principal is still so high ACA doesnt refinance they wont work with me plus there records are not accurate. At this point there are 61 payments left they say the car will be paid off. It is because is going that interest I have paid {$5100.00} in interest. I have asked for a statement detailed they failed to send it. When I call they have different people who tell you one thing others tell you another. One person told me they had the right to do something I alter find out they didnt clear it through a supervisor this is wrong.What they post on line is different from the statements sent in the mail. This is also confusing and wrong. I feel they are scamming me on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
RE : Loan # : XXXX Name : XXXX XXXX SS # : XXXX To Whom It May Concern, I am writing this because I am so upset with the situation involving Wells Fargo and XXXX XXXX and the refinance issues with my mortgage. We have also filed a complaint with the AG and XXXX. 

We paid {$11000.00} PMI upfront when we originated our loan in XXXX. I called our lender Wells Fargo to inquire numerous times, about when the unused PMI would be refunded. Calls date back to XX/XX/XXXX. We were told after the refinance was complete and the loan closed out then the unused PMI estimated at {$9600.00} would be refunded to us. 
Our refinance was complete XX/XX/XXXX and today, XX/XX/XXXX we receive the information from Wells Fargo that we are NOT ELIGIBLE for a REFUND! We are owed {$9600.00}! Not one representative along the way mentioned one word about the possibility of not being eligible. Today is the first news of this!! 

I am requesting all calls that were recorded, per the disclaimer given at the beginning of every conversation, be pulled and listened to. I also request a look back at all notes with the Wells Fargo representatives back in XXXX up until XX/XX/XXXX be reviewed for any mention of ELIGIBILITY. You will find that there is none of the recordings or noted conversation of such involve their Representatives informing us of the possibility of not being refunded, but you will find that I called and inquired MULTIPLE times about our PMI refund. 

Today I held on the phone over an HOUR to be told that because we REFINANCED vs. Closing the Loan is the reason we are not eligible for refund. Our LOAN was paid off in order to REFINANCE. 

We spoke to NUMEROUS WELLS FARGO REPRESENTATIVES who also spoke to MULTIPLE PMI Specialists at XXXX XXXX with NO ZERO NADA mention of even the possibility of NOT getting the unused PMI back. Never ever disclosed. 

We are not just going to let {$9600.00} just blow away. This is UNACCEPTABLE. Next steps are legal actions. 

If at any point someone would have mentioned us POSSIBLY not getting the PMI back I would NEVER had refinanced. 

I would like a call back 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 2021-06-25 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I called XXXX XXXX to pay my bill even though I was expecting a credit from XXXX  commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
I refinanced my house in XX/XX/XXXX and XXXX XXXX XXXX has been the loan servicer. I do not have any issues with XXXX XXXXXXXX XXXX. When I came back from a 1 week vacation on XX/XX/XXXX I had a letter from XXXX XXXX stating that my Loan Servicing is being transferred to Flagstar Bank. The letter has a notice date of XX/XX/XXXX. The letter states that as of XX/XX/XXXX I should send all payments to the Flagstar Bank. My payment is due on XX/XX/XXXX. It is XX/XX/XXXX and there are only 3 more business days until my next payment is due. I have not heard anything from Flagstar. I proactively went to their website and tried to register to set up payments but I am not in their system and was unable to create a login. I find this unacceptable. I do not think it is reasonable for me to have to get a payment to a new servicer in less than a week nor is it acceptable to be left in the lurch about what is happening. The following is the contact information that XXXX XXXX provided for Flagstar Bank. 

Flagstar Bank Customer Service Department XXXX XXXX XXXX XXXX, Mi 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