vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: MD

Complaint narrative:
I paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is 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 2021-01-26 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: ID

Complaint narrative:
Reached out to ARS to ask for Validation and they continue to say they have. After reviewing the information and after constantly asking ARS for this information on XX/XX/XXXX after claiming they did on XX/XX/XXXX. Asked them to provide the original documentation and still to this day have not gotten a copy of that letter. Have asked them multiple times for even if they had the rights of owning or right to pursue in my state which is now Idaho and never answered. I went on the Idaho collection verification website and see that they are not even licensed in the state of Idaho to attempt to collect a 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 2021-01-26 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 — Their investigation did not fix an error on your report
Company: RentDebt Automated Collections, LLC
State: KY

Complaint narrative:
On XX/XX/2021, I mailed a letter to XXXX informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called RentDebt, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. RentDebt was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. XXXX failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. XXXX did not indicate what steps it took to verify accuracy or fairness nor did XXXX provide me with any documentation from either RentDebt or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and RentDebt are fraudulently attempting to collect a debt not owed. XXXX is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX ( NMLS # XXXX ) representing US Bank provided a clear to close for the buyer of our townhome on XX/XX/XXXX for a scheduled closing date of XX/XX/XXXX. The day before closing, on XX/XX/XXXX at XXXX XXXX, XXXX admitted that a final Closing Disclosure was never issued to his borrower. As a result, closing would need to be delayed by three days. 

As we were also closing on the purchase of our new home on the same day, our closing had to be delayed as well. We suffered numerous expenses including moving truck expenses, housing, meals, personal days from work, and distress to a new mother. COVID-19 exasperated these issues. 

On XX/XX/XXXX, we sent XXXX and US Bank a letter detailing their negligence, and seeking a resolution. There was no response. On XX/XX/XXXX I called XXXX/US Bank to follow up and received no response. On XX/XX/XXXX I emailed XXXX/US Bank to follow up and received the response that there was no resolution available.

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 2021-01-26 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: TN

Complaint narrative:
XXXX, Transuion, and XXXX have violated several federal and state laws regarding my right as a consumer to privacy.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase emailed me claiming that a purchase I initiated on XX/XX/21 was not charged to my bank account. They then proceeded to charge me {$200.00}. I have proof that every purchase I made was charged to my bank account because the money was taken out of my bank by Coinbase. I paid the additional {$200.00} because they threatened to sell crypto to make up the debt I owed them. Below is the purchases I made with the total amount of XXXX ETC explained. 



* I converted {$170.00} from The Graph to XXXX on XX/XX/21 XXXXXXXX XXXX. 
( Totaling XXXX ETC ) * I converted {$100.00} from CVC to ETC on XX/XX/21 XXXX XXXX. 
( Totaling XXXX ETC ) * I bought {$200.00} of ETC XXXX on XX/XX/21 XXXX XXXX. 

* I bought {$700.00} of ETC XXXX on XX/XX/21 XXXX XXXX. 

Total= XXXX ETC Therefore I converted crypto I already had to ETC. XXXX ( Graph ) + XXXX ( CVC ) = XXXX ETC Then I made two purchases with my XXXX bank account of {$200.00} ( XXXX ) and {$700.00} ( XXXX ) = XXXX ETC Combining my total to XXXX ETC. 

Coinbase claims they did not receive payment for {$200.00} for a transaction that I was credited for ( false ). Clearly I only made two transactions during that time. One for {$200.00} and another for {$700.00}. I can prove both of those charges with my XXXX. Yet Coinbase is trying to charge me for a total of 3 transactions, claiming there are two charges for {$200.00} and I was not charged for one of them. This is false. 


I payed Coinbase out of fear they would sell my crypto after threatening to sell it over an email from their Coinbase support. I would like my {$200.00} to be refunded to me because I essentially was blackmailed to give {$200.00} or else the company would sell my crypto to cover there fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have contacted TD Bank on 6 different occasions to close my checking account. Each time they fail to do so. I dont have any money with TD Bank but they keep my account open to charge me fees. I have asked 6 times on 6 different occasions online and over the phone to close my account. 

CLOSE MY ACCOUNT TD BANK!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian have violated several federal and state laws regarding my right as a consumer to privacy.

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 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
I have the debit card XXXX XXXXXXXX XXXX debit card. I deposit my weekly job pay check in that card every week for 3 weeks, because I'm new in XXXX are and not have bank account until now. also this pass week " Friday XX/XX/2021 I Deposit my paycheck. The company the XXXX XXXX XXXX XXXX using INGO company for cash check. After I did all the step they talk me to write VOID in my check and sent a pic. They cash it already with the bank. But I still no relied my money. I call every day, they talk me something different every time I called. This is unjust that in the situation we are this company play with my money. company name : Ingo Money Customer Service. Ingo Meny Inc. XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX. Phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
Repeated calls from XXXX today Tuesday XX/XX/2021. Did not answer first call ( unrecognized ) but answered 2nd call thinking it might be something important. Then : Distorted callers voice seemed foreign. 
Caller insists " we can lower your Discover Card interest rate. '' I asked " oh really, for which card? '' ( WE DONT HAVE ANY DISCOVER CARDS! ). 
Caller said " you need to tell me card number. '' I then ( stringing him on to see where he would go ) said " you know, the one you called me about. '' Caller said " the one you have with a 6 and a 0 in it. '' I then told him to we don't have a Discover Card & take me off your spam call list, to which he said " I can't do that. '' I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I DISPUTED CHARGES FROM XXXX. I do owe XXXX money but not the amount of money I being charged. Opened the claim XXXX XXXX. XX/XX/2021 XXXX XXXX Credit Card Company put the amount back on my card based on information they received from XXXX. Using that same information I again disputed the charge because I am being overcharged by XXXX. I was told the charge would go back into dispute. Today I received a letter dated XX/XX/2021 that the charges are back on my card card because I did not provide proof. I sent them all the proof they need and everything they asked for. They have the proof because they sent it to me. All they need to do is ADD the charges. The charges add up to {XXXX} plus {XXXX  tax for a total of {XXXX less a credit of {XXXX}, less a credit of {XXXX for a total owed {XXXX}. XXXX is charging me {XXXX. I keep asking the credit card company and XXXX where they are getting this amount and it simply can not be explained. I am willing to pay what I owe XXXX  but not for amounts that I do not know and can not be explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent Experian a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but them stating that the account was verified as accurate again. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. 


Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX {$650.00} Date : XX/XX/XXXX Creditor : LVNVFUNDG ACCT # XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have disputed " XXXX XXXX XXXX '' with Experian, XXXX, XXXX multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from Experian & XXXX and all bureaus are supposed to have consistent information. it is a charged off with a balance on 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 2021-01-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent Tranunion a certified letter dated XX/XX/XXXX about an account with XXXX XXXX. I received notice stating that it was verified as accurate. 

I sent another letter dated XX/XX/XXXX requesting their method of verification, however, I did not receive their method of verification, but continue to report the account on my report. They also had 15 days to provide me with their method of verification. 

I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX, spoke to a Representative named XXXX, and he stated that he could not find any account after I provided him with my social security number, my date of birth, and my address.

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 2021-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both Experian and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom this may concern, Please remove the following accounts from my credit report. Ive been a victim of identity theft and fraud. I hired a credit repair company paid them and havent received anything so Im trying this on my own please help Ive been trying to refi my house and this has been stopping it from moving forward can you send me an email confirmation please I dont have anymore time to waist thank you Chase XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX chase was open XXXX, 2018 the rest opened XX/XX/2018 TOTAL = {$48000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, RS Clark and Associates reported a collection account for XXXX  XXXX in the amount of {$540.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to RS Clark and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to RS Clark and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, RS Clark and Associates has never contacted me or sent any information regarding the validation of this debt. RS Clark and Associates has violated multiple FDCPA laws. RS Clark and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  Home Equity Loan. Loan # XXXX Back in XXXX of 2020, I was impacted by XXXX and applied for a HELOC extension in XX/XX/2020, I spoke with both XXXX and XXXX ( representatives at XXXX  ) about the extension and I was told that the application was submitted and I would receive an email. However after waiting for about 2 to 3 weeks I found out that was not the case and had to reapply, which wasted valuable time. 

The email containing the approval arrived on XX/XX/2020 but by that time I was already 34 days late, I found this out recently because I had to pull my credit report due to a fraud issue and found that I was reported late by XXXX XXXX, after having the loan extension agreement in place. 

I have tried calling the customer service center several times, but due to high call volumes and long wait times, I was not successful in actually speaking to someone.

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had my account with chase for a while. I had stayed without a job for a short period during this pandemic. The bank started to charge me insufficient fees even due to Recurring payments even though i had no money. They kept letting the recurring payments and the insufficient fees add up to almost XXXX dollars. I told them i was not going to pay that due to me losing my job and that they would charge me insufficient funds fee twice in one day as well as the XXXX dollars service for not having funds in the account. I cant get a new debt card with my new bank because of it. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/XXXX I received a notice that I had a new collection on my major credit reports from Medical Business Bureau. I initially thought this fraud because I am unaware of any unpaid medical bills in my name. I contacted the collection agency who informed me that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX were charging me for a medical procedure I had in XX/XX/XXXX. They claim it is an unpaid balance from my insurance company. However, I never received any bills or calls from XXXX XXXX XXXX XXXX informing me of any debts owed. Its like they skipped contacting me for over 6 months just to send me to collections and try to ruin my credit. I think it is unfair and I want this collection removed from all my credit reports. All they had to do was contact me so that I could check with my insurance and pay if it was actually owed by this just seems fraudulent and misleading and I think this is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was part of the data breach settlement with Experian. On my report they claimed that I was awarded four different monetary amounts : {$2800.00} on XXXX, {$2400.00} on XXXX, {$1400.00} on XXXX and {$1000.00} on XXXX. This was posted on my Experian report and yet I have not received any of this settlements payouts. I have been trying to speak with a live person but, only get their recorded messages. I would like to know where this money is and how to obtain my settlement? 

Thank you for your assistants in this matter. 

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