vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: UT

Complaint narrative:
XXXX  account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I WAS A TENANT AT THIS APARTMENT COMPLEX XX/XX/XXXX TO XX/XX/XXXX. I SUBMITTED MY LETTER TO THE APARTMENT MANAGER WHO WAS XXXX AT THAT TIME THAT I WAS MOVING OUT XX/XX/XXXX, SINCE THE SIGNING ON MY HOUSE WAS XX/XX/XXXX. I ASKED WAS THERE A BALANCE ON ANYTHING I OWED AND WAS TOLD NO I DID MY WALK THROUGH WITH THE APARTMENT MANAGER XXXX AND HANDED OVER THE KEYS. FOR A WHOLE YEAR I HEARD NOTHING I HAD GAVE HER MY UPDATED ADDRESS SO MY DEPOSIT COULD BE MAILED OUT. I NEVER RECEIVED ANYTHING IN THE MAIL FROM THE APARTMENT COMPLEX, FROM THE STATE ( COURT ) FOR OWING A BALANCE, HAVING AN EVICTION, NO DAMAGES OR ANYTHING FAST FORWARD TO A YEAR I HAVE A COLLECTION ON MY ACCOUNT AND SPOKE WITH THE APARTMENT COMPLEX AND THEY COULDN'T ADVISE ME NO INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: FL

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE WERE ITEMS THAT WERE DELETED DURING MY DISPUTE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY PREVIOUS LETTERS. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I tried logging into my Coinbase account on XX/XX/XXXX to make a trade. However, when doing so I saw my XXXX balance showed {$0.00}. I knew this could not be the case as I had ~ {$9000.00} dollars worth of crypto on this account. I saw my account had funds in it up until XX/XX/XXXX. 

When trying to call the support line I was told that there was no account tied to my phone number. However, I could see in my account settings that my phone number is indeed tied to my account. I tried emailing Coinbase and got no response. I could not create a ticket for their support team as I was not getting emails from them. The only way I was able to get into contact with them was via XXXX DMs. This is absolutely absurd that the company couldn't be bothered to pick up the phone when so much money was in question. 

Long story short, I was able to get into contact with Coinbase support. I was told that my account had been hijacked and the attacker was able to circumvent Coinbases security, my phones two-factor authentication, as well as my email. I know that I never received any emails or text messages regarding this transaction. 

Support told me that the security of my account was all on me. This is fair however, I am a technologically savvy person and know I received no such correspondence. I have no idea how my account was breached in this manner. 

My main complaint ( aside from the obvious drain of my account ) is that it was impossible to get in contact with anyone from Coinbase until days after the initial incident took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank had sent me a notice via email on XX/XX/XXXX stating in 10 business days they would refund the unauthorized transactions. As of today when. I spoke to their fraud dept they told me they could no longer tell me when I woukd get the refund and they apologized for not honoring the XX/XX/XXXX notice but could not tell me any time references when this would happen. This has been ongoing issue since. XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK

Complaint narrative:
I've spoke with Wakefield and Associates four times to have three medical bills removed from my credit report. They were made in error by XXXX XXXX. XXXX requesated them to be cleared from my credit report and Wakefield has refused to provide me with any information to show they have complied. The last time I spoke with an agent with Wakefield she placed me on a ten minute hold then told me " We have a process and hung up on me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERVICE ( XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BRite Financial Services, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am well aware of your statements XXXX XXXX XXXX at Bank of America and you were clear in your response when you mentioned that you need the loan number and the only loan number " off the top of my head '' that I thought of is my Mortgage Loan at XXXX XXXX XXXX XXXX, MI XXXX Loan Number XXXX paid off XX/XX/2017. Please provide any and all records to the CFPB about the loan number you requested.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had an mortgage with Wells Fargo Home Mortgage. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is Wells Fargo apparently wanted to start a foreclosure against my husband and myself on XX/XX/ and it was suspended due to bankruptcy filing by myself XX/XX/. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.

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 2021-10-19 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: AES/PHEAA
State: FL

Complaint narrative:
Hello. My complaint is regarding fed loan servicing and my public service loan forgiveness tracking progress. 

29 months ago, fed loan servicing advised me that two loans were not consolidated into my PSLF repayment plan. I was assured the first time I did this about 6-7 years ago that all loans were consolidated. All my loans have about 59-61 PSLF eligible payments, while 2 loans only have 29 because of this. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} Remaining/ Disbursed on XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX {$41000.00} Remaining/ Disbursed on XX/XX/2016 I felt mislead and cheated. In my ways, I was starting my PSLF payments from scratch after those two were added. 

I know the Department of Education is reviewing all PSLF plans to help ensure accurate and correct any issues due to poor servicer assistance. I just don't want to be left out and want to see these two loans that weren't consolidated the first time and brought up in payments to be equal to my other loans and progress updated. I was already notified that an initial review discovered a qualify for more eligible payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT ADJUSTERS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX Year XXXX, I the consumer initiated a consumer credit transaction with CAPITAL ONE BANK USA, an institution that was given instructions by I the consumer to extend myself the credit line of minimum XXXX USD. 
Throughout the history of the consumer credit transaction I initiated, I called out the violation of my federal protected rights and violations of federal law done through and by this institution through the use of False or Misleading representations, not providing documentary evidence when requested through the agencies of XXXX, XXXX and XXXX of the documents, correspondences, books of accounts with financial and corporate records of the consumer credit transaction initiated by I, the consumer and natural person. 

These violations listed include but are not limited to 15 U.S. Code subsection 1692e, 15 U.S Code Subsection 1692d, 18 U.S. Code subsection 1963.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX  at XXXX XXXX, I spoke with XXXX XXXX  via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from US Bank dated XX/XX/. RE : Account XXXX ending in XXXX and Case Number : XXXX that my account was being closed and if there was a positive balance, a Cashiers Check for {$240.00} would be mailed within 15 business days once all previously deposited items have been verified. US Banks investigation was completed on XX/XX/. On XX/XX/, I called the U.S. Bank, Branch Operations Manager of XXXX XXXX XXXX XXXX and asked when my funds for {$240.00} would be mailed? XXXX XXXX said not for at least 6 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 2021-10-19 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: FL

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. i DID RECEIVE A RESPONSE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY DISPUTE. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: WI

Complaint narrative:
On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the TransUnion, XXXX and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
COLLECTION AGENCIES VIOLATED " FCRA, FDCPA, FCBA '' REPORTING ID FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I transferred my cell phone service away from XXXX ( XXXX ). Upon transferring all three of the lines on my account, I was unable to access my online account. I was set up for paperless billing, in which the only way to access bills is through the online account. Since I was unable to access the online account due to no longer having active service, I expected that I would receive a final bill from XXXX. I never received a final bill and suddenly a collection was on my credit reports. I contacted XXXX several times requesting a final bill be mailed to me. They promised me each time that it would be sent, but I have yet to receive the bill and I have no way to verify what charges are being billed to me and why.

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My named was forged on a document that was never presented to me and the original I applied and received the loan for my car. I wasn't behind on my payments nor was I behind on my insurance. I had also found out the that said document was illegal here in North Carolina. I had lost my job also picked up and new aliment and I have been out of a lot of money cause now I have to pay for rides and delivery fees for the things that I need i have bee fighting this issue for a year. I also believe that they forged papers to steal my mother 's house from her also. My family and I would like help in getting justice from this bank I also have said documents on my person as well. I have a whole lot of documents and proof to send but the system will not let me send them all at one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2021 I filed a complaint with the CFPB about my PayPal account being closed for no reason. PayPal responded saying they would release the money minus any returns on or before 180 days of the account being closed. On XX/XX/2021 PayPal took XXXX out of my account with no explanation. I have tried to contact Paypal support and they do not do anything about it. They promised that this money would be released after XX/XX/2021, which I had no choice but to deal with. Then they take the money out of the account XX/XX/2021. Leaving a total balance of {$0.00} in my PayPal Account. I am missing a total of {$91000.00}. I need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have messaged and called Chase numerous times, filed formed FTC complaints. They lied to you. I have attached a copy of the XXXX report showing that in fact they did change my address with my credit bureaus. They are refusing to report back to the credit bureaus that my address was reported in correctly. The credit bureaus are refusing to change it. I have been dealing with this issue for 5 month. They have been denying they did this. 

I spoke with XXXX, XXXX, XXXX XXXX, XXXX ( manager and XXXX. All of whom told me they can do nothing to correct the issue. All of whom also denied that Chase changed my credit report. I have attached proof that the credit bureau was changed by Chase. 

I have also filed a XXXX discrimination complaint as they were not able to meet my needs of my XXXX when calling in for assistance with my Attorney General and my XXXX Representative. I am on XXXX and they were not accessible to my needs over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: AES/PHEAA
State: GA

Complaint narrative:
Credit reporting agencies, creditors and collection agencies is in violation of the Law

Company response to consumer: Closed with explanation