vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Hello, I received a written communication about a debt from XXXX from the collector ERC stating that I owed {$360.00}. I explained that this debt was actually my deceased father 's debt, and that when I was acting as POA for him when he could not sign for himself that I was asked to sign in his place and the agent explained it was an account in my father 's name. I then explained how I had spoken to XXXX who said if I could prove my father 's death and when he was transferred from the service address to the XXXX home they would adjust the amount owing to be that date and that the bill would then fall below the threshold for any collection attempts I said I would provide them that information. I did submit via email the XXXX home records and death certificate for my father. Months ago. I hadn't heard anything again from XXXX ( and I have internet through them myself as well as cellular service ) that the debt was taken care of as promised. Then the ERC agent told me they would forward my dispute to their Dispute Team who would investigate the matter. I asked for a contact number for the team who would be handling the investigation and she told me " there is not a contact number they will be reaching out to you '' she repeated this when I explained I wanted to be able to follow up with that department and send them documentation of what was going on. I then asked to speak with a supervisor who then got on the line and told me the whole speal about this being an attempt to collect a debt ... I then asked for the same Dispute Team contact info and was told there is no dispute team and that the dispute goes back to the client. She got VERY upset when I told her they had lied to me and that it was fraud. I am absolutely disgusted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY identity was used fraudulently on XX/XX/2019 to open this fraudulent account with BANK OF AMERICA account # XXXX balance {$3600.00} this account is fraud.

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 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is the second time a collections agency has contacted me regarding an outstanding account at an address that I do not and have never lived at. On XX/XX/2021 I received an email from Synchrony Bank ( Merchant : XXXX ) with a creditory of XXXX XXXXXXXX XXXX, XXXX for the total of {$400.00}. The address on the account is XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX. I have an ongoing investigation with XXXX XXXX Sheriffs Department ( Deputy XXXX ) of another attempt to collect debt. I have never lived at this address and have no knowledge of any purchases made at this account except for the notification from the collections agency.

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 2021-02-04 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: CA

Complaint narrative:
I'VE TRIED TO CONTACT XXXX XXXX XXXXXXXX .... REGARDING THIS ACCOUNT AND FILED A COMPLIANT WITH THE CFPB ABOUT THIS MATTER AND STILL HAVEN'T HEARD ANYTHING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
On XX/XX/2020, I noticed that my account on Coinbase was compromised. My account was compromised bypassing the two factor authentication systems - I'm not sure how at this time. None of my other credit cards, banking systems, or emails were accessed. No other individuals in my household have access to my account. 
After noticing this problem, I acted quickly. I accessed my account. I changed my password and I submitted a support ticket requesting than my account be disabled due to this problem. I noticed before closing my account that an attempted withdrawl of - {$25000.00} occured, attempting to take the funds out of my bank account. Additonally all of my assets in my wallet had been sold off, other assets had been purchased, and sold again. All of these transactions resulted in massive coinbase fees. 
I did not receive an automated support ticket/email verification/or anything of the sort but my account was disabled. The {$25000.00} request resulted in a NSF return fee of {$23.00} from Coinbase as I did not have the funds present in my bank account. 
After some time, I did not hear from Coinbase through any of their support outlets ( XXXX, XXXX, or their email system. ) They do not have a live customer service so there's no good way to get in touch with them. I attempted all the methods available to me. 
After a week, on XXXX, another attempt to withdraw {$25000.00} from my bank account occured. I believe this came from Coinbase directly as my account was suspended. I again attempted to contact them but have had no luck. 
I have since had to put a hold on my bank account and I have yet to have any luck in getting ahold of Coinbase directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Bank/XXXX  Visa The Account Opened is Comenity Bank/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
I received an email from the United States Attorney claiming I owe a debt to Ace Cash. They claim that I owe some XXXX dollars and that they will file a criminal charge to IC3. They are offering a settlement of XXXX $ and threatening criminal prosecution in addition to XXXX in fines additional. I dont recall ever having any dealings with them and this is the first communication I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I made a ACH Transfer from my XXXX Bank of America account to XXXX XXXX account in at amount of {$6200.00} on XX/XX/2020. The funds were sent to the wrong account number. Funds were sent to Account # XXXX instead of XXXX XXXX Account # XXXX. I failed a complaint with my Bank of America but the claim was denied by XXXX XXXX and funds posted to the wrong account number. Now we are short of {$6200.00}. 

Thanks XXXX XXXX PH # 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 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
THERE WAS AN ACCOUNT OPENED ON XXXX OF 2019. I DID NOT AUTHORIZE THIS ACCOUNT. THE BALANCE IS {$1000.00}. I HAVE REACHED OUT SEVERAL TIMES TO SHOW THEM THIS IS NOT MY ACCOUNT WITH NO RESPONSE FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a closed Amazon account with Synchrony Bank which I have been paying dutifully monthly according to the dictates of a hardship program. I fell XXXX XXXX  in the month of XXXX due to constant exposure to the XXXX XXXX since I work in the XXXX XXXX  and specifically in the XXXX XXXX Synchrony Bank reported me late to all the credit bureau for the month of XX/XX/2021. I spoke with a representative today and she said she would request for a deletion of the late payment. While I appreciate her kindness and empathy, it did not allay my fears about the impact of this derogatory report on my family finance and even more as the sole breadwinner. It is more like a burden added to my medical struggle. 
In order to prevent such occurrence as this, I have enrolled in the auto payment for subsequent payment on this card. 
I will appreciate if someone can empathically review this account and delete 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 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Sir/Mam, I did initiated 3 BillPay transactions from Bank of America BillPay on XX/XX/XXXX & XXXX for the amount of {$2300.00}, {$4500.00} & {$4900.00} and scheduled to pay my loan account of 11.45 % interest rate with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 
First of all, the check amount of {$2300.00} and {$4500.00} on XXXX XXXX and {$4900.00} was on XX/XX/XXXX was deducted from my Bank of America Checking account. After complaining that the funds were not paid to the recipient loan account @ XXXX XXXX XXXX XXXX, I received an update from Bank of America that 2 checks {$2300.00} and {$4500.00} were encashed by XXXX and {$4900.00} was not, whereas XXXX confirmed that the bank did not encash the funds, so Bank of America understood the checks were encashed by an unknown ... which is fraud. After knowing that {$4900.00} was not encashed I did requested to cancel the {$4900.00} check and refund the money back to my account. The {$4900.00} was deposited back to my account on XX/XX/XXXX - after 7 days from the date of complaint. 
Now going back to 2 checks that were encashed, Bank of America took almost 45 days to fax the check copies and collect an affidavit confirmation from XXXX and without my follow up every 3 days and coordination between the 2 Banks it would have not been possible at all. 
Now after receiving the affidavit on XXXX, XXXX, that the payment has not been encashed by XXXX, the money deducted from my account {$2300.00} and {$4500.00} should have been refunded back to me as I understand all the accounts are FDIC insured with Bank of America. 
As a single family income member, lose {$6800.00} for about 2.5 months is a very bad economical crisis and on the other had the funds were supposed to be paid to a loan account of interest rate 11.45 %. 
The process of Bank of America with respect to sending or receiving fax and send/receive mails is very unprofessional and it needs to be fixed. 
On top of all that, how can Bank of America authorize a fund clearance when the check is encashed by a wrong recipient when it's a BillPay check generated by Bank of America Back Office and marked to a specific account number with XXXX. 
Secondly, when the transaction has been identified as fraud why is the fund not returned back to my account & why the FDIC claim not initiated by Bank of America, why does the consumer have to wait on refund which directly impacts the consumer and his economical conditions ... Why is Bank of America not able to put consumer priority first to refund the money to the consumer while the account is FDIC insured and then continue with the investigation whereas the consumer is not directly involved in such a fraudulent transaction?

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 monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I have sent letters to all the credit bureaus about reporting incorrect address information, names being misspelled and numbers not associated with me. Equifax sent a letter requesting additional information. They requested paycheck stub with my social number and gas bill with the address. I also included this with the letter and sent them the information. 

Only receive another letter on XXXX again asking for the same information yet again that was already sent over a month ago. The documentation was all sent certified so I know they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Opened my credit card statement and it shows that I paid the entire balance on the card ( which I do every month ), and I was charged {$14.00} in interest. I called the company and asked them to remove the interest charges, they stated that since the final payment of the month was made after the payment due date of XX/XX/21 ( not the statement closing date of XX/XX/21 ) that they would not remove the charges. I pay off all of my credit cards every month before the statement closing date. This has happened several times in the past and the interest charges have always been removed from the account.

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 monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
this company constantly call me every day from a different number regarding this debt. this debt. if i blocked them from one number they call me from another number this very annoying i am XXXX years old. this leinholder that sold me car is known by the better XXXX  as a SCAM!! for the two or three years i had this car i paid this lienholder a total of {$25000.00} on XXXX XXXX XXXX i still owe a balance of {$10000.00}. the person belittle me because of this loan. i have health conditions one told he did not care. so i believe this lienholder have gone out of business. This company will call in the middle of the night as silent phone call.

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
on XXXX XXXX, I received a notification that a negative item was reported on my credit report. The collection company placed an {$84.00} debit for collection representing XXXX XXXX. This debit was discharged in a Chapter XXXX BK in XX/XX/2020. I contacted this company and they told me that they would not remove it as it is a new debit even as they purchased it from the original creditor that was discharged. I have provided the documentation showing the discharge and the original creditor. They said they would review. Contacted them on XX/XX/XXXX to get the status and was told that they are not sure what happened and are not sure if they can remove it. Even as the BK Attny and Trustee sent over documentation proving the debt is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a chase credit card account with a credit limit of {$4500.00}. XXXX closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX, a Agency hired by XXXX XXXX XXXX made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. XXXX XXXX was hired my XXXX XXXX XXXX to collect the debt. After the settlement was made XXXX XXXX and XXXX XXXX XXXX refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. 

I was deceived by XXXX XXXX and XXXX XXXX XXXX to collect the debt. I am requesting that XXXX XXXX XXXX either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to XXXX XXXX XXXX and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, 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