vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
While I was in XXXX, my XXXX credit card was used fraudulently. When I came back to the XXXX on XX/XX/2022, I realized the charges and reported the transactions to the bank. Recently I received a letter saying that they have proof from the merchants that I made the purchases. When I called about this proof, they told me that there is no proof, but the charges are constant with where I usually use the card. They even told me that they didn't contact the merchants. I am in XXXX now, and I was in XXXX during the transactions. I can prove to you that I didn't make the purchases, but the investigator makes assumptions, and even not contacting the merchants is not good, nor ethical. The bank or the XXXXnvestigator is biased and XXXX  me without getting any evidence or doing a proper investigation. Again, I can send you proof but you do not have any proofs to XXXX  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 monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had a problem with the Wells Fargo, and was trying to figure out exactly how to go about back benefit reimbursement

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I had an XXXX creidt card account opened on XXXX XXXX. My accoount number is XXXX. They reported a {$5.00} charge as not being paid. I did not recognize this charge and contacted them after they already reported to my credit as a late payment. They said said they would not work with me and it was too late to dispute it. I paid the {$5.00} because I wanted to keep in good standing. They closed the acccount without contacting me and hurt my credit score over a charge I know nothing 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 non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting a charged off account on my reports with XXXX that I have been disputing for some time now. Experian has been in violation of my rights of a consumer concerning this account for quite a while now and refuses to conduct a proper investigation into this account and report inaccuracies on my report. They first deleted the account from my reports and reinserted it without proper warning or communication. They are now reporting inaccurate late payments as well. They clearly state on my report that this account received a payment in XXXX XXXX XXXX however they are also reporting this account as 180 days late for this same month. How is it that a payment was captured but the account is late? This is not possible. It is very concerning that Experian can violate the consumer laws and prevent me from getting approved when they are in clear violation of the law and yet I am the only one that gets negatively impacted. I am demanding that this account is deleted from my report.

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 2023-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Party Owed : XXXX Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and First Franklin . First Franklin the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. First Franklin did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

First Franklin subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to XXXX. Because First Franklin was barred from any further collection of deficiency the order would follow the chain of sales of account. 

XXXX has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with XXXX. XXXX has no rights of collection. XXXX provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

XXXX also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and XXXX on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to XXXX on XXXXThis case was dismissed by XXXX XXXX Florida court on XX/XX/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
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
NEW UPDATE! 

NOTICE REGARDING FAILURE TO PROVIDE SIGNED CONTRACT TO LAWFULLY VERIFY AND VALIDATE ALLEGED DEBT. 

On XX/XX/23 I submitted a NOTICE of DISPUTE regarding alleged debt that ACCOUNT RESOLUTION SERVICES is claiming I may owe. In that Notice of Dispute I stated as a consumer a federally protected consumer under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, the Gramm Leach Bliley Act and that I have the right to privacy. I also requested a signed contract between both parties myself and ACCOUNT RESOLUTION SERVICES to lawfully verify and validate any contracual agreement between myself and ACCOUNT RESOLUTION SERVICES. See Exhibit A PLEASE note that I did not receive any documentation or material facts regarding any claim. If you are engaging in in ANY deceptive or misrepresentation or False claim you are in Violation under the Fair Debt Collection Practices Act. 

If you continue to engage in any unlawful, deceptive, Identity Theft, extortion, FRAUD or Racketeering activites i will seek legal action against you. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Texas Guaranteed
State: MN

Complaint narrative:
I keep having to dispute a company on my credit report. In the month of XXXX I disputed a company called Trellis Company on my credit report. The credit bureaus take this debt off my credit report because they verify that it is not mine, and then XXXX months later its back on my report and I have to dispute it again. I do not know who these people are. I contacted the company and was told it was a student loan. I have not had a student loan in 30 years. The student loan that I did have was paid off years ago, and the school is now closed down. I will not ever pay them. This Trellis Company is committing fraud and trying to get money from me that I do not owe them. They keep reporting me to the credit bureaus and the credit bureaus keep putting them on my credit report. I have had to dispute this at lease XXXX times now. I want them taken off my credit reports and never put back on there. I am sick and tired of having to fight something that I do not owe. I want the credit bureaus to stop reporting false information on my credit report as well. Just because a company says you owe something does not make it true and for them to just put things on my credit report is just plain wrong. I have proven that I do not owe this company a XXXX and they keep adding it to my credit report. I also want them to take off the bankruptcy from my report as well. They told me they verified the bankruptcy but that was a lie. I called the courthouse and was told that they do not verify bankruptcies, so how was it verified. I even have a letter from the court. Another example of how they just put wrong information on a persons credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: MD

Complaint narrative:
i tried to apply for car at XXXX and they said they was going to only do XXXX but it was 25 hard inquires poured on my credit report delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i tried to apply for car at XXXX and they said they was going to only do XXXX but it was 25 hard inquires poured on my credit report delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
on XX/XX/XXXX XXXX someone got my Coinbase account information and made many transactions overnight. I saw this the following morning and locked the account. 
Coinbase acknowledged the fraudulent activity. i '' ve had to change many email addresses and my cell #. 
coinbase will not give me access to my account. because my cell # has changed, and I cant do the 2 step identification process. 
when I locked the account my balance was much higher than what it should have been, due to the hacker moving money in and out. 
i've contacted Coinbase several times, and all that happens is a circle of emails that produce no result. They wont tell me what my balance is or any other info. It's next to impossible to deal with these people .... 
they either hang up on me, or respond with a person that speaks XXXX XXXX XXXX. ..half the time I cant understand them, they get disgusted with me and hang up. I need someone to get involved, as I'm not getting anywhere on my own and these people are to stubborn to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
The loan was in me and Co signer name. The co signer took the vehicle and it was stolen while in his possession. Wells Fargo did a claim on vehicle and I was stuck with a payment for XXXX that I paid with taxes. I made a report that the vehicle was not in my possession and the co signer had took the vehicle in 2011. I was the only person stuck with the debt through Wells Fargo.

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 2023-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I completed my annual employment recertification form and submitted it to Mohela on XX/XX/XXXX. Today I checked my account to see if my eligible payments have been updated and Mohela canceled my for certification form and says it was duplicate. I have not submitted another employment recertification form, I do this process once a year to have my qualifying payments updated. I have been on the XXXX program for about 6 years now so I am very familiar with the process of submitting my forms and rectifying my employment. I contacted Mohela today ( 6 XX/XX/XXXX ) and the customer service agent had no explanation for why my form was canceled. He told me he would submit it for review but the process is 90 days to review. If this takes 90 days that would mean it would take over 180 days to process my singular form to which I have no switched employers since XXXX. I simply need my payments updated. For some reason they have listed all my payments since XX/XX/XXXX as " employment not certified. '' However my form I submitted clearly shows my employment should be certified. After doing research online others have experienced this same issue of having the form canceled without notification or reason. Others have cited that after calling to ask for a re-review of the form they have a new entry in the documents received section on Mohela with the date of the re-review request. I do not have that at all or any communication other than a verbal communication that it will be reviewed. If there is nothing in my account that flags attention for review, I don't have faith it will get reviewed. My payment count right now says 44 where it should be updated to account for XX/XX/XXXX to present. That is a huge difference in qualifying payment count. It should be an easy update as all I need to show is that one form because I have not switched employers during that time period or since XXXX. I have two issues here- I have no verification that my request to have it re-reviewed is in effect and secondly I should not have to wait another 90 days when Mohela canceled my form. Mohela should expedite this form as its been in the system for over 90 days already and is a simple one page document saying I am currently still employed at a qualifying employer since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management
State: TN

Complaint narrative:
The young lady XXXX at fox collections, called a number that I know she went through a medical file to obtain. I advised her to have the orginating company to call me in regards to whatever the situation is. This number she called is not on any other file than one that is medical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
companies are unlawfully sharing and displaying my private information without my authorization. attached.

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 2023-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is in XXXX  violations with credit reporting on my account. On XX/XX/2022 I filed an initial dispute on accounts XXXX XXXX  Bank Acct # XXXX, Open XXXX XXXX # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, and XXXX XXXX XXXX  Acct # XXXX. They only disputed XXXX XXXX XXXX and were in violation of 15 USC 1681i which states, Experian shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I provided them with evidence and theyve yet failed to properly conduct and provide evidence of such steps taken and still have account not updated with 100 % accuracy on status updates. Ive filed a complaint with the XXXX XXXX XXXX XXXX and am process of work with my lawyer to takes actions against Experian for violations. Evidence provided below

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 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
1. XXXX XXXX repossed my car even though i was in the military and protected under SCRA in 2019. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA.

The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all 3 credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
2. XXXX XXXX, XXXX, XXXX also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.

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 2023-02-06 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: Experian Information Solutions Inc.

Complaint narrative:
XXXXXXXX XXXX XXXX repossed my car even though i was in the military and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA. 
The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all XXXX credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
XXXX. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I went on a cruise on XXXX XX/XX/XXXX and used my XXXX debit cards for purchases onboard the ship which placed a several holds, ( XXXX {$100.00}, XXXX {$100.00}, XXXX {$80.00}, XXXX {$53.00} and XXXX {$10.00} ). Upon my return my charges were settled totaling {$290.00}. On XX/XX/XXXX the charge of {$290.00} posted however, the holds ( pending authorizations ) were not released causing my account to show overdrawn- {$180.00}. I contact XXXX and explained the situation and was advised I would have to wait XXXX  days and the authorizations would be released. On the XXXX, the authorizations were still pending so I called XXXX back and was told the original information was incorrect and it was not XXXX  days but XXXX business day. I called today XXXX and was told by a supervisor that the initial information was correct that XXXX  days is the hold time before release but since the funds were not released then I would have to wait indefinitely for those holds to be released or I would need to contact XXXX to have them send an email to have the funds released. This has caused a major financial detriment. I am concerned about XXXXXXXX XXXX transaction hold processes. If I am being told that the process is XXXX standard days and the authorization holds should be released and they see that has not happened, they should have released the funds however, they are saying they won't be released unless XXXX sends that email and if XXXX does not send the email the money will remain on hold. That does not seem fair to the consumer nor does it sound like a good way to conduct business especially with other people 's money. am at the mercy of this company unless I can convince the merchant to send that email.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief