vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX DEALER S on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX, I on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I have a big problem for me, I hope to help you solve the problems I have an account on Coinbase and my account on the site has been frozen because the site believes that I am in XXXX and XXXX is subject to sanctions, and I am a resident of XXXX, XXXX, and I have uploaded all the official documents that prove that I reside in XXXX because I wrote support and my case was not answered within 12 days. Nor can I get my money from XXXX. The sum is XXXX I wish with all my heart your help, with my sincere thanks and appreciation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: GA

Complaint narrative:
The incorrect information that this company has on my credit report is hindering me from making moves and costing me thousands of dollars in interest every year. Incorrect personal information and unauthorized inquires. I sent letters on XX/XX/2021 it has been wayyyy past 60 days. To my understanding credit bureaus has 30 days to investigate disputes or they must DELETE the information being disputed. I have been patient long enough. I demand that these incorrect items on my credit report be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My second mortgage hadaballoon payment due in XX/XX/XXXX witth Mr. Cooper i have triedd repeatedly to tal to mr , Cooper since XXXX also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get modification without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: NV

Complaint narrative:
There is an account on my credit report that isn't mine. I tried calling the merchant, and they indicated to dispute it, and that they do not report anything to the credit bureaus. So, either the credit bureaus are lying, or so is the merchant, or both. Please remove it immediately as this is a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Its really bad when you have excellent credit, can payoff your loan with liquid assets you have in the bank and are only asking to borrow 48 % of the value of your home that you can not get loan approval from PNC. I will definitely let others interested in home loans not to bother with PNC. 
On the other hand, I dont blame PNC, I would rather make 5.75 % on an investment than 2.75 %. 

This is an email I sent to PNC. Seeing that the above is true and correct, I feel that Im being denied a refinance loan due to the fact that two ( 2 ) XXXX and senior woman applied together for this loan that we are being discriminated against. 

I never received a response to this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX Binance U.S. 
Operated by BAM Trading Services Inc . 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX. 

Complaint against Binance US On XX/XX/XXXX I notified Binance that I had suspicion that there was fraud present on my account. Binance does not offer any kind of human chat or telephone correspondence. I followed their instructions to file a ticket as they call it. Please see below the number of tickets I generated and the response I have gotten. 

XX/XX/XXXX Original ticket, receipt of acknowledgement XX/XX/XXXX follow up ticket, receipt and notifying me the more tickets I generate the longer the process will take. 
XX/XX/XXXX third ticket requesting them to unlock my account. This ticket was followed up by an electronic response of acknowledgment of receiving the ticket. 
XX/XX/XXXX I tried to gain access to my account by resetting the password but with their block it was unsuccessful. 
XX/XX/XXXX another ticket generated to see if they would at least let me have access to the account. 
XX/XX/XXXX XXXX ticket asking them to just unlock my account so I could get my money and simply close the account. 

Unfortunately, I cant even provide you with an account number as the block they have put on the account will not let me access that information. 


At this point all I want is my money back from my account. At the time they locked my account there was approximately XXXX available. 

Should you have any questions please do not hesitate me immediately. 

Thanks in advance. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I reported unauthorized debit card transactions to Chase Bank and on XX/XX/XXXX, received " permanent '' credit after Chase conducted and completed their investigation. On XX/XX/XXXX the same merchant was able to debit my account which was now listed as a " reacurring transaction '' and I notified Chase again and this time I was issued " provitional '' credit that was reversed on XX/XX/XXXX. I found out today that Chase Bank 's Caim Department input the claim incorrectly listing the payment method as " other means '' but failed to provide me with what " other means '' meant. I spoke with customer service and retail claims, was hung up on by " XXXX '' in retail claims after he failed to provide me with basic protocol guidlines that a financial institution must follow under federal regulation, EFTA, 15 USC 1693 et seq which was implentnted by the federal reserve and its sole intention is to protect consumers. Chase Bank and their refusal to uphold their fiduciary obligation under Regulation E borders on criminal. I would like a formal investigation conducted into JP Morgan Chase Bank for unfair and unethical business practices, violations of regulation e, tax evasion, breach of contract and violations of the CCPA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: IN

Complaint narrative:
In SXXXX/XX/XX/2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXX XXXX XXXX opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to CKS Financial which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by CKS that the account has now been sent to another collection company named XX/XX/XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX  and I have to call them to handle it. I am so tired of the run around!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: NV

Complaint narrative:
There is an account on my credit report that isn't mine. I tried calling the merchant, and they indicated to dispute it, and that they do not report anything to the credit bureaus. So, either the credit bureaus are lying, or so is the merchant, or both. Please remove it immediately as this is a violation of the Fair Credit Reporting Act

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 2021-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding
State: MD

Complaint narrative:
Entrust Funding sent a document that is mimicking what federal document as a scam to get you to call to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: TX

Complaint narrative:
Equifax is pathetic to say the least. Ive had a XXXX XXXX XXXXXXXX closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, XXXX XXXXXXXX XXXX changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XXXX of 2020. 


XXXX and XXXX took notice to this unethical behavior and have now deleted this account. Equifax is the only bureau that wont do their job ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
Ocwen Loan Servicing LLC is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. Ocwen has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called Ocwen and they are telling me they have zero information on my account. I called XXXX  and the other two credit bureaus and they both are laying the blame on Ocwen. I filed a complaint with XXXX in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what Ocwen has been doing as they have my full late payments listed as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CURO Intermediate Holdings
State: MN

Complaint narrative:
Concord Financial - shows serious delinquency on credit report, but last reported information was in 2016. Account was closed and this is verifiable by the balance owed showing as XXXX on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I sent certified mail legal documents including a letter of Administration and a certified death certificate to Discover Bank. I had called their beneficiary care dept. and was told the XXXX. XXXX was XXXX, XXXX XXXX XXXX, UT XXXX. They signed the return receipt on XX/XX/XXXX. When I called on XX/XX/XXXX, the same dept told me the P.O. box number was wrong, and they can't locate the letter. My point is someone signed for the certified mail envelope, what is their policy for mail sent to them with a wrong Box # on it? Why don't they refuse to sign for it, and return it? I of course, believe they do indeed have it, and like any Bank will do anything they legally can to delay money being sent out. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: FC HoldCo LLC
State: IL

Complaint narrative:
I opened my mail and noticed that I was sent a Letter for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.

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 2021-04-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I received a mailer with a pre-approved offer from XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, ( XXXX ) XXXX, for a card with a {$400.00} limit. When I received the card and called to activate the card it said there was a balance of {$99.00} that needed to be paid. Of course this confused me so I reached out to the contact center. In speaking with the representative he informed that there was an annual fee that was charged to the card. I advised him at that point to cancel that card because I had not earned an annual fee, and if it was required before using the card they should have left the balance unavailable until I made the decision to pay for it if I still wanted the offer with that as a stipulation. The representative cancelled the card and I received a confirmation letter in the mail on XX/XX/21. Today, XX/XX/21, I get notification that my credit score dropped XXXX points and noticed that this company is reporting a {$99.00} balance on my report as if I'd used this card. I contacted them and was told by several employees that they could not remove it, there's nothing they can do. Eventually they hung up on me. They refused to let me speak to management. They told me there were no managers to speak with. I need this removed from my credit report. I filed bankruptcy and got a discharge a few years back and have been doing nothing but building up my credit since then. I can not afford for predatory lenders such as this company to ruin that. I don't owe them any money. Please help! If they've done it to me, I'm quite sure they have done this to others. It needs to stop here. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH Mortgage Div. Ocwen services my loan. I did fall behind in XXXX and in XXXX they opted to put two loan payments at the end of the loan which was great. My biggest issues with this servicer is all the additional fees that they add on to their servicing. When ever I have had a late payment I have always added the late fee which is around {$50.00}. 
I checked today an an interest payment that I sent via check in XX/XX/XXXX for {$540.00} was not put towards interest it was held in suspense for a while then it was put to offset their " Other '' category. 

Today I submitted my XXXX payment and added an escrow account shortage of {$84.00} per their statement on XXXX XXXX which made my total payment of {$1600.00}. Not a problem. I have been able to reduce the " other '' category to {$96.00} from over {$500.00}. I had called to ask for explanation but after being disconnected, dropped in my previous 3 calls because my account is assigned to a specialist I have been not been able to talk to the person so asked to speak to a Supervisor. Its going on 23 minutes of being on hold and not getting anyone to pick up the line. Unfortunately, I don't have all day to wait for a Supervisor to get information on my questions/concerns. 

I am glad that they put my two late payments on the end of the loan. Due to being self-employed its very difficult to get refinanced especially with my late payments. The loan is at 4.6 % interest rate so whoever owns this is making great returns since its almost double the current interest rate. Not sure if your department can assist me but since I have been on hold I thought I would file a complaint since I tried being nice and patient and it got me nowhere. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank responded to my complaint and there are several inaccuracies stated. According to the documents send to me from TD Bank, states that the balance owed is XXXX however the amount reported is {$14000.00} for XXXX and XXXX for XXXX This is a verifiable inaccuracy by this company. Also, the letter states that the charge off was on XXXX XXXX, XXXX but the charge off reported on my credit report shows XXXX, XXXX  which also is reported incorrected. This clearly shows gross inaccurate reported which is a violation of my rights per 15 USC 1692e!!! I want this deleted from my credit report and I will be filling a civil liability remedy lawsuit for this negligent reporting practice by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My information was exposed in the XXXX data breach, Remove this fraudulent account immediately.

Company response to consumer: Closed with explanation