vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I had an account with XXXX  XXXX with an unpaid utility bill. 

XXXX XXXX sent this account to Sunrise Credit Service on XX/XX/XXXX. 

XXXX  XXXX then sent this debt to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX shows it opened on XX/XX/XXXX. 

XXXX  XXXX sent Sunrise Credit Services a letter on XX/XX/XXXX. XXXX failed to notify the credit reporting agencies that they no longer had the account and this has detrimentally impacted my credit for the past 15 months.

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 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
Consumer Adjuster says that i owed XXXX and this is already paid out and they are trying to extort more money out of me even though i dont have it so please do something about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed with TransUnion and XXXX, and the Department of Veterans Affairs directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, because my account with the Department of Veterans Affairs has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX. I know this because the Date Last Active has been changed from the original date my account was closed in XXXX to a newer date in XXXX, which means the furnisher and the credit reporting agencies are reporting old debt as new. This is a violation of the Fair Credit Reporting Act. 

Even after my four letters of disputes were sent to the credit reporting agencies and the Department of Veterans Affairs, they continue to respond back to me stating the account was verified as accurate. I did some research on the FCRA and I know this is a violation of my consumer rights and I know the Credit reporting agencies and furnishers are required to report only complete and accurate information, so how are they able to report old debt as new?

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Dear American Express : I am writing with an issue with regard to your Delta credit card offer. I applied for the card yesterday in response to an offer at the Delta ticket purchase stage. With the ticket selected and on hold, I filled in the application for the sole purpose of being able to use the card for the ticket purchase. The offer states Id get a temporary American Express number for use of up to {$1000.00} for Delta tickets. I was approved. 

The only basis for my decision to apply for your card during ticketing was that I promised {$200.00} in statement credit for a purchase within 3 months on my new card. 

After I was approved, a screen appeared requiring me to confirm my cellphone number to proceed but provided no option to do so. There were only xxxs in place of my cellphone, with no ability to replace them with my number. I called Amex and spoke to 3 agents, including a supervisor. I was told thats just a technical glitch ; youll get your card within 3-5 days after mailing. The agent confirmed that Amex had my correct cellphone. They told me that there was no way to provide the temporary card numbers. I therefore did not buy the ticket. To be clear : the inducement to obtain your card was the ability to use it during the ticket transaction, NOT for use weeks later. It was a classic bait-and-switch. 

To add to the problem, today I received an email asking me to confirm my cellphone with several correct digits ( showing again that you indeed have the correct number ) and the others replaced by XXs. Yet again, the link didnt work because it merely took me to an account creation page. I can not create an account because I do not have the card numbers. 

The current situation is that I can not buy Delta tickets. I can not get the promised {$200.00} credit. My credit rating took a hit because of your credit check. And I still can not use the card. 

The agents appeared familiar with this problem. Was it a glitch or a calculated way to trap consumers into obtaining a card and not providing the statement credit? If it happened to me, it happened to countless others who accepted your offer during the ticketing transaction but were then denied the promised benefit. I am copying the Consumer Financial Protection Bureau complaints as well. 

I am copying Delta as well. At best, this is not a way to start off a relationship with a card holder or a frequent flier. At worst, its fraud in the inducement. 

I have screen shots from the aborted transaction showing that there was no way to accomplish the cellphone verification. Your agents verified that they had my correct cellphone number. I would be pleased to provide these documents to you upon request. Note that I used two different browsers and my XXXX with the same result. 


Sincerely, Name

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 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.
State: OK

Complaint narrative:
I have accounts on both Coinbase and Coinbase Pro which I opened in XX/XX/XXXX. In total I bought roughly XXXX xrp using both Coinbase and Coinbase pro. Back on XX/XX/XXXX I transferred all of my xrp off of my Coinbase account onto my private wallet and that same day went to transfer all of the remaining xrp off of my Coinbase Pro account. The xrp immediately transferred to my private wallet from my Coinbase account however I was sent an email that the transfer from Coinbase Pro to my wallet could take 72 hrs for verification. I thought ok no big deal. On XX/XX/XXXX I went to check my private wallet and was surprised/nervous to find my private wallet had not received my latest transfer request from Coinbase Pro. After several attempts to login to my Pro account and getting incorrect password I finally selected forgot password to have them email me a new one. I never got an email so I tried a few more times. Still nothing. Thats when I reached out to Coinbase support for help. They told me they would review my case and get back to me in 4-5 business days. When they got back to me I discovered someone had hacked my account and changed my email, password and phone number linked to my account. Support asked me to verify myself by logging into my account even after I told them that was my problem in the first place, I cant! Then Coinbase Support quit responding to my emails. I have no one to talk to and they refuse to respond to my emails ( which have totaled over 18 emails now ). My two main concerns are 1 ) I would like my remaining xrp 2 ) I need my account unlocked and restored so that I dont lose my airdrop of Spark tokens from XXXX XXXX which would be distributed to this account over the next 2 years. Please help me with this, I have lost all faith in Coinbase and their lack of support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I SENT LETTERS TO THE CRA 'S ABOUT THE INACCURATE AND INCOMPLETE ACCOUNT THAT THEY ARE REPORTING AND REFUSED TO DELETE IT FROM MY CREDIT REPORT.I SENT EQUIFAX ON XX/XX/2021, XXXX ON XX/XX/2021, AND XXXX ON XXXX HAS BEEN OVER 30 DAYS WITH NO RESPONSE WHICH IS A VIOLATION AND NEEDS TO BE DELETED.I HAVE ATTACHED COPIES OF THE LETTERS BELOW AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. 
Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2021 my account was hacked into by hackers. They scam me telling me my account that hackers has sent money to someone in XXXX and was sending money to other countries. They told me to look at my account and they remote into my account use my XXXX ACCOUNT took my money. I immediately contacted NAVY Federal Credit Union. They took reported and reported as FRAUD told me would be investigated. 
Today XX/XX/XXXX I called Navy Federal Credit Union checking on my {$1000.00} they told me they were not able to put my money back even thou I was hacked by hackers that scam me. Please help I'm unemployed that is all money I had saved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: MI

Complaint narrative:
We closed on the sale of our house in XX/XX/2020. During the closing process, there was miscommunication between our mortgage holder and the title companies involved. Our mortgage company paid the winter taxes in full before we closed ( which they were not supposed to do ) we then got charged the prorated amount at closing, resulting in the winter taxes being double paid. The refunded amount went to our buyers mortgage company and was placed in their escrow account when it should have come to us. We had a split closing, and the 2 titles companies ( XXXX XXXX XXXX XXXX XXXX XXXX ) involved talked and came to an agreement that we were due a refund of {$1900.00}. Our buyers mortgage ( Highlands Residential Mortgage Ltd from XXXX, TX ) company refuses to send us the money that is rightfully ours. I will attach an email chain that details this in fully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
XXXX XXXX is trying to collect on a bill that the balance is showing wrong and i never owed that amount at all

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 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a small car loan after obtaining more than XXXX days at my job at which I made XXXX annually. I did not get a fair credit opportunity by my bank as they denied my car loan. 
The loan was then passed over to XXXX XXXX who manipulated my credit score to approve the loan. My principle was not being applied properly at which time I notified XXXX XXXX. Immediately after a man came and stole my car with no demands for payment in writing. I was terrified. I have XXXX due to this so now I have to truck my groceries on the bus and its making my XXXX issues worse. 
Treating woman unfairly when it comes to loans is a XXXX. We are then XXXX from and XXXX. Put on XXXX XXXX to XXXX and this is not ok. Accurate banking is a plus for woman. It keeps us safe. I deserve every chance to make my business great and I cant because Im being XXXX by the XXXX By corporate XXXX. If you didnt understand a woman gave you XXXX The population of woman is going to XXXX at this rate and so will our human XXXX 
There was a third XXXX loan application through XXXX that went in XX/XX/2020. I did not fill out that application. I would like to know if there is a loan going on in my back pocket? I was also approved for a loan in XXXX for little under XXXX. I did not receive those funds. Where are they? Am I going to be held responsible for a loan I did not get direct deposited? I did not receive any money from a loan yet my money is continuing to transfer out of my account of edeposits. Whats that all about?

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Sent My XXXX report 3 times to transunion but when I call they claim they never received 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 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a XXXX payment with Chase Bank of {$130.00} to someone I learned was a scammer I requested them to stop the payment and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
They call me ALL DAY everyday, I have documentation once as early as XXXX and they sometimes go until XXXX  I have not gone a day without repeated phone calls in roughly a year and I just now found out that is not ok and I am looking to report this and do whatever I can to make them stop, I suspect the amounts they are attempting to collect appear to be inaccurate LVNV llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On theXX/XX/XXXX, I sent them a letter asking to validate some negative items on my credit report that I was not familiar with. After 30 days I got no response, I sent them another letter on the XX/XX/XXXX to complain that I haven't gotten any response yet and up to this day, they haven't notified me of anything. Here are the things I want to be removed from my report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX 4. Validate inaccurate/ reported late payments XXXX Account Number : XXXX please remove inaccurate reported late payments update to payed agreed 5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
Approximately three months ago, I noticed Plusfour Collections on my credit report. XXXX XXXX was the original creditor. 

I called Plus Four to dispute the debt. I have XXXX XXXXXX/XX/XXXXXXXX XXXX. My insurance company will pay the bill. 

I called XXXX XXXX. They told me they were using a different third party billing company. After escalating my complaint, I learned this was for an XXXX on my XXXX on XX/XX/20. 

I called XXXX XXXXXX/XX/XXXX and asked why they did not pay the bill? XXXX XXXX never submitted a claim to them or a bill to me! How then can they send me to collections. 

I filed a grievance with XXXX XXXXXX/XX/XXXX, and learned there are many people like me. 

My dispute with the credit bureau was " verified '', and remains on my credit report. 

I called Plus Four and was told if XXXX XXXX sends them a letter stating my account was referred in the error, they will remove it. XXXX XXXX has not addressed my issue. Meanwhile, my insurance premiums increased, and I am being denied credit for a recent collection! 

I also filed a complaint withXX/XX/XXXXXXXX XXXX. They are trying to advocate for me, but advised they are not a regulatory entity, and can't make them do anything. 

Please help me!

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 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
XXXX XXXX. Qualified Written Request Letter was sent certified to XXXX XXXX XXXX and delivered by USPS on XX/XX/2021 at XXXX XXXX 
XXXX still has not responded to that letter as of today, XX/XX/2021. 

This date has far surpassed the five day mark that XXXX has to respond to the QWR letter.

Company response to consumer: Closed with explanation