vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
Ed Financial and XXXX are refusing to process my IDR applications and it is impossible to speak with anyone or communicate with anyone at either organization. 

XXXX improperly denied my application as being " too soon for recertification '' although I am requesting a different IDR plan and that was made clear in the application. 

Ed financial is requesting evidence already provided and not processing the application in good faith. 

Both companies are not operating in good faith, and their fraudulent business practices seek to have them paid for more money than what is owed under the IDR plan for which I am eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE bank failed to follow their wire transfer guidelines and allowed a fraudulent wire transfer to be established from my checking account without my permission, signature, or any formal verification of identity.when requested for confirmation in text, I denied the transfer. After working with the fraud department, I dont feel They are being forthcoming telling me when I get my funds back.I want them to refund the money owed to me. ( {$24000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was depositing funds from my credit union checking account into my coinbase account. 
{$1000.00}. And {$4000.00}. 2 transactions. After Trans were completed there was a notice in the details stating the funds will be avail. To withdraw on XX/XX/2023 I made the Trans on XX/XX/2023 that is a 14 day on the funds sent electronically. After much searching I found their live chat support. This was a solutionless waste of time. I was told that it's the policy for ACH payment to get a 2 to 3 day hold and after that coinbase may take another 3 days to process it. When I told her that's 6 days there is 14 day hold plus I dint know this, why didn't they inform me at the time of purchase she said here is a link you can read about our policy. We went back and forth so I ended the chat. A day later I started a new chat and it was more of the same as previous chat. Both chats lasted 1 hour +, I can't tell you exactly how long because the chat is not accessible during or after. No scrolling up to reread what was said or copy the link provided no option to email it to me. A ridiculous system for support. I had a 3 chat but the agent was very unhelpful. I thought reg cc gave rules on how long a financial business can put on deposited funds? 14 days on funds they have recvd electronically is unreasonable. How can I get this lifted. The funds are part of a business investment that had a deadline of today XX/XX/2023 will be cancelled. I am requesting you help in this matter. I asked where are the funds or where do they hold them but recvd no answer. This is like the stock market I am losing money as time progresses. Thank you Ps they use email for accounts no account numbers. Plus I gave you my home address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
The bank reported a deliquent account which they were supposed to close. I went into the bank to close all accounts and paid to have the accounts closed. Before leaving the bank I was told that all accounts were closed. However, I received a 30 day delinquent notice on the credit line which was supposed to be closed. I worked with their team to discover what caused the issue and learned that the staff did not know how to navigate and properly close the accounts. They acknowledged their error, with their credit team ( on the phone line, i walked to the bank with the bank 's credit person on the line ) on the line and and was told that they would resolve the issue. This was over a year ago and I'm still trying to get help to resolve the issue. I've contacted credit buearus, multiple contacts at Citizens and have missed work trying to resolve this. Although I received letters from the bank stating that they would remove the delinquent marks, they continue to report the account as having been past due XXXX and XXXX  days. It's been a vicious cycle and I'm tried to resolve this amicably but have had no success. The issues has also delayed me from move forward with other personal matters such as relocation and job advancement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My AMEX Gift Card is not working and keeps declining. Previously, on XX/XX/23 and XX/XX/23 I had used the gift card and it worked fine. However, I tried to use it yesterday ( XX/XX/23 ) on a XXXX purchase but it kept declining. This is also not the first time this has happened. I have {$14.00} on my card and all the purchases I wanted to make were less than this number. I tried to call customer service again today ( XX/XX/23 ) various different times with different numbers but was always transferred to another number where I could not speak to a representative. No one has helped me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordence with the fair credit reporting act convergent. Account # XXXX. And account # XXXX. Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordence with the fair credit reporting act XXXX. Account # XXXX. And account # XXXX. Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITALONE Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-30 00:00:00
Product: Credit reporting 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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC. 

FTC report was submitted and mailed in to Equifax however Equifax is breaking FCRA 605B ( 15 U.S.C. 1681c-2 ). No block has been made and they're still reporting on my consumers report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX OPEN XX/XX/23 debt dispute, company failed to respond to dispute and reported a late payment without the debt being validated and with refusal of remittances. Company is in dishonor, is a threat to the public interest and is deliberately causing injury. Company is in violation of security fraud. Mail fraud and theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WAFD BANK
State: NV

Complaint narrative:
I have had trouble with my payments being returned due to my accountant provided me old account numbers and at my banks which were recently hanged because of fraud. I explained that I was sorry and made additional payments to cover my balance and my account has always been current and Id not past due. My account is in the closed status but my available credit shows my credit is available. I have been given the run around and everyone tells me different things or has no idea what I am talking about. I provided my passport if on card opening inside a local branch. One week ago I provided id to the XXXX branch regarding my debit card and checking account. I was asked to call my branch to get the hold lifted but they do not know what is needed. I just want to be able to use my card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX  {$0.00}

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I don't remember the date in 2013, but I deposited a check that was sent to me for working & my funds were held. then I was blacklisted. It took a decade for another bank to send my money to me, but I still haven't received anything from this one. Im guessing what made them act right is, I started to file a discrimination suit because these banks don't do that to everybody. [ if you get me ]. Another bank owes me money as well, in another area. XXXX. this is why I stopped making any other bank accounts because its too much shady stuff going on.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The bank reported a deliquent account which they were supposed to close. I went into the bank to close all accounts and paid to have the accounts closed. Before leaving the bank I was told that all accounts were closed. However, I received a 30 day delinquent notice on the credit line which was supposed to be closed. I worked with their team to discover what caused the issue and learned that the staff did not know how to navigate and properly close the accounts. They acknowledged their error, with their credit team ( on the phone line, i walked to the bank with the bank 's credit person on the line ) on the line and and was told that they would resolve the issue. This was over a year ago and I'm still trying to get help to resolve the issue. I've contacted credit buearus, multiple contacts at XXXX and have missed work trying to resolve this. Although I received letters from the bank stating that they would remove the delinquent marks, they continue to report the account as having been past due XXXX and XXXX  days. It's been a vicious cycle and I'm tried to resolve this amicably but have had no success. The issues has also delayed me from move forward with other personal matters such as relocation and job advancement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. Have never had a {$270.00} payment or bought vehicle XX/XX/2020. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I, XXXX XXXX, am requesting the deletion of account SOUTHWEST CREDIT SYSTE XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to SOUTHWEST CREDIT SYSTE, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2021. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. Remove this account from my credit report.

Company response to consumer: Closed with explanation