vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: LD Holdings Group, LLC
State: MI

Complaint narrative:
I am asking for CFPB employees to assist in getting to the bottom of this wrong information that could lead to the stealing of my loan3 dated XXXX from XXXX  XXXX  and my property XXXX XXXX XXXX XXXX, mi XXXX. Under file number of XXXX XXXX dated XX/XX/XXXX. That there was some kind of business that hit my credit from loan depot ( not me ) and I believe it was scam XXXX XXXX XXXX came and ask me to move out in XX/XX/XXXX and possibly using my name and this action came up XX/XX/XXXX on my credit report. 

Shows an written authorization on XX/XX/XXXX taken place under XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ca XXXX XXXX XXXX. 

Please look into this because when I brought this up to XXXX XXXX attorney XXXX XXXX XXXX that this was his client using my name he did not deny it and just said he had nothing to do with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
i had a mortage with loan care loan number XXXX phone number XXXX or XXXX the loan was paid out on XXXX i sold the house loan care report to credit agency that i took out from them forerance plan which i never did due covid 19 and now i am applying for a refiance and the credit agency now got report from loan care that i apply for forberance plan which i never did now underwriting for my refiance is telling they need letter from loan care that i never apply for a forbarance plan which i need to go foward under covid forbarance plan no bank should never report to the credit agency thanks XXXX XXXX XXXX sunny day way XXXX fl XXXX phone 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 2021-10-26 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: CO

Complaint narrative:
The issues began around XX/XX/2021 on the credit card issued by BBVA, Visa # XXXX. The bank allowed a fishing fraud for XXXX cents and then the fraudster started sending in charges for XXXX. On the morning of XX/XX/2021 we began trying to make contact with the bank and finally were put in contact with a supervisor, XXXX. XXXX finally understood the fraud, acknowledged it and promised to take care of everything and stated we would have no further problems with the fraud issues. I requested a call back confirming all issues were taken care of. The next day, XXXX left a call on the recorder that all issues were resolved. 
In fact, this was a lie we relied upon to our detriment. We immediately contacted PNC ( who was taking over BBVA ) and contacted them again when they failed to correct the problem. See Exs. A and B. See also Ex. C, which affirms that fraud was committed and promises we were not responsible. Of the {$11000.00} in fraudulent charges to date, at least {$5200.00} remain unresolved. 
Despite the various promises made, PNC has billed us for the charges. See Ex.D. However, the worst thing PNC did was to report the disputed charges to credit agencies, in violation of CFPB rules. See attached Ex. E, which shows that the PNC report cratered the Credit Score by 73 points. 
One last attempt was made to resolve this situation. On XX/XX/2021, I contacted PNC and spoke to XXXX at ext. XXXX, who transferred me to XXXX, who refused to give any other identifying information. After asking to speak to a supervisor, I was put on hold for 47 minutes until the call was dropped. This complaint ensued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: ME

Complaint narrative:
On Monday XX/XX/XXXX, I emailed per their guidelines a one time {$1200.00} abatement statement from our tax department. Our taxes annually for the XXXX XXXX year were approximately {$10000.00} prior to this abatement. Flagstar stated that if they had questions or needed follow up information they would reach out. We heard Nothing. 


On XX/XX/XXXX we received a new escrow analysis that they had instead LOWERED our entire taxes to {$2100.00}, or the tax abatement x 2. This significantly affected our payment as you can imagine. And if their employee would have just actually read the statement it would have been completed correctly.

Since that day I have no less than called 10 times to have this situation corrected and as of today XX/XX/XXXX I have been called " irate '' in their notes as well as likely other things and the situation remains the same. Most recently I have been told the new escrow statement has been issued but won't show up online for days and they're still unsure how this will effect the payment. Additionally, they issued a refund of an obvious overage from the XX/XX/XXXX analysis and my XXXX payment is coming due which is likely creating a clear under value in the account. 

They have been nothing but misunderstanding of the entire situation. They have admitted to not following protocol SEVERAL times. They stated that they always check with the county ( in our case city ) to confirm the tax amount before abatements are processed. But, if that was true, then how did ~ {$8000.00} in taxes go missing. They have blamed this entire situation on their XXXX XXXX, however, since they are the servicer of the mortgage it truly falls on them. As a industry professional I was understanding of this for the first couple weeks, but we are now a month in and we still have no resolution and no help from Flagstar.

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 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have requested a validation letter from Account Resolution Services. I have received a letter but it still not enough information of verifying the debt. I didn't give this collection company the consent to collect any debt or the company couldn't provide my bear signature of them owing rights to collect any debt.

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 2021-10-26 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX, had placed a debt on my credit files that wasn't mine which caused a 41 decrease in my fico score. This company did remove this debt from my credit files but I never received back the credit points I lost added back to my fico score. This is with experian

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Using the Coinbase commerce app, I purchased and attempted to transfer XXXX bitcoin to a wallet. The coin was subtracted from my wallet, but the transaction did not go through. When I attempt to view data on the transaction, there is an error code for a connection issue. This problem occurred on XXXX, and I have reached out to Coinbase customer service, to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX approximately, Goldman Sachs suspended my apple card for a fraud investigation. There is no identity theft on this account. I charge thousands of dollars per month and pay it in full every month without fail. This company will not provide a reason why, they won't give me any details. I have contacted their customer service several times, I have messaged fraud supervisors up to the VP on XXXX. No one will explain why ... this has created a massive inconvenience. You can't do business with apple if you don't have an apple card. I use it for my business, for personal, for my laptop, for my families phone installment plans etc. All of our services and recurring financial commitments have grinded to a halt. They mentioned something about identity theft when I called, but there is none. I have verified everything with them... REPEATEDLY. 

This has become a pattern over the last month. My wife and I bought a house and have tried repeatedly to use the card at XXXX and they blocked those purchases for potential fraud? I called repeatedly and said, please stop it's me. It's not fraud. I bought a house ... can you stop please? They refuse. They tell me there is nothing they can do to stop the fraud prevention or what I call harassment. 

This should be illegal? I'm forced to abandon XXXX completely or deal with the harassments from their fraud department. I do not deserve this. I have been a perfect customer. They refuse to help me when I call. Please help. 

Note : they blocked my card number in the app. I can't provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Several Wells Fargo reps have replied to below complaint by either referring to prior replies which state checks in question show as cashed and or verify address sent to... I can assure the CFPB I reviewed all replies and none of them address issues including non-receipt of payments which are inadequate, do not offer reasonable settlement offer, do not address IRS reporting of missing payment.. Wells Fargo reps continue to refer back to past replies which either refer back to prior replies or state checks cashed and or verify address sent to... It appears no one on Wells Fargo side appear willing to move on the matter, simply want to refer to past replies... 
Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..

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 2021-10-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I placed an order for two {$200.00} XXXX XXXX gift cards, and the gift cards that were sent did not work when I click the link that Chase sent me, it says your reward can not be viewed at this time. I called and asked them to open a case, but that was back around XX/XX/XXXX, I still dont have working gift cards or the 40,000 points I spent to get them. I have called Chase and requested a refund of my points but they still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: FL

Complaint narrative:
I was checking my credit report and i saw accounts which are not related to me. I don't recognize all these accounts, i don't know where did you get them from, I have never sign any contracts or agreements with these companies.

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 2021-10-26 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: FL

Complaint narrative:
I was checking my credit report and i saw accounts which are not related to me. I don't recognize all these accounts, i don't know where did you get them from, I have never sign any contracts or agreements with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Both medical Collection companies have Violated my HIPAA RIGHTS. I did not sign a HIPAA form for this collections companies to access my medical records! This is a Violation XXXX XXXX XXXX XXXX XXXX And FIRST FEDERAL CREDIT CONTROl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: First Credit Services Inc.
State: MA

Complaint narrative:
the company XXXX who in charge the work out world wrongly sent my name to a collection agency. After weeks of dispute, I agreed to pay the charge in exchange for this to be removed from my credit history. To my biggest disappointment, this collection account still come up on my credit report. I don't want to continue to engage in a back in forth with the agency. I just don't want to see this collection thing in my credit report as I was already paid the charge and more importantly wrongly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
I've sent multiple dispute letters ALL YEAR to the consumer reporting agencies in regards to violating my rights as a consumer. No changes have been made. The consumer reporting agencies are unable to provide validation and/or verification for reporting these accounts. The accounts attached show multiple violations and inaccuracies.

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 2021-10-26 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a loan from LOBEL FIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called LOBEL FIN and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I used crypto. Com and saved my card on file. A couple of days later {$3800.00} was taken from my debit card that was stored on file. Crypto. Com took unauthorized funds from my bank account and will not give it back.

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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.

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