vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BELMONT FINANCE LLC
State: NC

Complaint narrative:
On XX/XX/XXXX  my friend asked I would allow or her and a XXXX  dealer to come to my home and show me a demo with the XXXX  XXXX  ( air purifier ). To make a long story short. I filed out a paper credit application and got approved and I got verified over the phone with an financial company called XXXX XXXX. I was told if i referred 12 people who would allow me and the dealer to come to their home to do a demo with the machine I can get my machine for free. I had appt on XX/XX/XXXX  with a in-law and she loved the product and she did the credit application but she was denied and I was asked by the dealer and XXXX  dealer financial department if I would co-sign for her. I told both the dealer and her manager. So the dealer spoke with the customer and told her that she had other ways to get her approved so she can make her sale. The dealer asked me if the customer could use my phone number and email address since her screen was broken on her phone she said that she couldn't use her phone by her being the dealer that it has to be a different number so she can get her verified the dealer spoke on the phone with Belmont financial LLC company on the phone and the customer. I noticed Belmont financial on my credit several months later, the XXXX  dealer, manager used my old credit application I signed XX/XX/XXXX  for my machine. I never authorized anyone to use my credit and I never filed out an credit application XX/XX/XXXX  only the customer. I called the XXXX XXXX and was told my credit was ran on XX/XX/XXXX  for Belmont Financial LLC and XXXX XXXX but I was approved with both company but my machine was finance with XXXX XXXX not Belmont financial. I told them that my information was used fraudulently but I never got a responds back from the XXXX  company. I reached out to Belmont financial and the manger sent me a copy of the credit application that was used and a copy of the contract and said that the person who verified my information their voice sounded similar to mines I told her the account was open up without my permission and that I wanted the account removed from my credit but it became an argument because i told her to do her job and investigate their client XXXX  because they provided Belmont with an old credit application not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I have called Nelnet 's customer services number multiple times with the latest attempt occurring XX/XX/2023 at XXXXXXXX XXXX. After being told I would be waiting XXXX minutes on the phone before I was put on the phone with customer service I had to wait 3 times that amount totaling to 1 hour and 3 minutes. After waiting this period, the music playing on Nelnet 's side of the phone call stopped and beeping was then heard, signifying that the call was dropped. This was my third attempt to get access to my student loan account that was taken over by Nelnet. I am just trying to pay my student loan off and as this problem persists and I continue to not have access to my account, interest continues to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Top Asset Solutions, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I received an email on XX/XX/XXXX  stating I would receive a {$100.00} cash back bonus if I added a joint user to my XXXXXXXX XXXX XXXX issued by Barclays if the user spent {$100.00} within the first 30 days. I completed the requirements and never received the cash back bonus. 

I have attempted to contact Barclays but their IVR system only gives generic information and hangs up without transferring to an agent. The one time I was able to get into the holding queue I was on hold for 10 minutes before the call disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: LA

Complaint narrative:
PLEASE SEE ATTACHED FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: KEYCORP
State: FL

Complaint narrative:
I opened an online savings account with Laurel Road ( a part of Key Bank ) on XX/XX/23. They approved the account right away and prompted me to deposit the money. I had to wait for them to approve my husband as a joint account holder, and it took them 11 days to do so. Nobody ever questioned our identity at any point during that process. Once he was approved, we sent them the money from another bank. Right away, they froze our online access and would not even give me the reason why. I continuously tried to find out when I would be able to access our account, especially considering that I could not even see if our transfer went through. They denied me access and would not disclose their reasons for blocking me from my online account or give me a timeframe when I could gain access to my own money. 

In the meantime, I did some research on this bank and found hundreds of complaints about this shady practice that followed the exact same scenario. This bank would arrest their customers funds for weeks or even months at a time. Right away, I demanded, via chat with the bank, that my account be closed and our money returned to us. The chat transcript that I saved clearly shows that I was the one closing this account even before there was any money in it. 

They did close my account but sent me a letter saying that it was their initiative, and they reported negative information to the consumer reporting agencies. I was not worried at the time since I did nothing wrong and was not expecting this bank to report anything of that sort. As I just found out, when applying for a checking account with a different bank, and was denied, that apparently, Key Bank reported identity fraud, which is an outright lie as it has never happened. They never even tried to verify my or my husbands identity. This reporting is outrageous, and damaging, and seems to be done with malicious intent to damage my record. The only fraud there was their own when they arrested our money under the pretense of " reviewing '' the account, for some reason even their representatives could not explain. 

This banks shady practice should not be permitted as they trick their customers into giving them money, and right after the transfer, they block online access to that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address a concern regarding the extended fraud alert currently placed on my credit report. My name is XXXX XXXX, and I kindly request the prompt removal of this alert. I have enclosed the necessary documents to verify my identity, including my proof of ID, proof of address, and proof of my social security number.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-19 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
State: PA

Complaint narrative:
On XX/XX/XXXX I attempted to log into my Venmo account and received a banner stating my account was frozen, I then went to the Venmo website and contacted the company. They then requested I confirm my identity by sending in a picture of my drivers license. I then complied and received another email stating they were reviewing the case. On XX/XX/XXXX I received a new email which stated " Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community.. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 
XXXX XXXX | Account Specialist | Venmo '' I then waited a year to reach out again and received the same treatment. I kept asking what I did in order to not be able to utilize their services and they would not respond. On XX/XX/XXXX I received an email response that they would not respond to any further questions that I may have regarding my account closer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT IT WILL BE IN CONJUNCTION WITH A COMPLAINT : Michigan Department of Insurance and Financial Services Complaint File # : XXXX. 

It has come to my attention after Santander USA finally sent me an entire statement of all payments made that my down payment was not listed, not applied and not provided to them per the terms of my original contract. The amount of the down payment was {$3000.00} which is the same amount that Santander is stating that I owe to them at this time. The town payment was towards the loan amount principal balance NOT taxes titles and fees. Considering Santander USA is a predatory lender and has been sued with Michigan being part of that class action lawsuit it has impacted me directly. I am one of the consumers impacted directly and part of this lawsuit. 
https : //santandermultistateagsettlement.com/Home/portalid/0 The amount on my credit report should have been forgiven and the title should have been sent to me but it has not been. Furthermore, considering that they are a sub-prime predatory lender who can not provide me traceability on where {$3000.00} went or my original contract which has been requested multiple times in writing, the stat needs to be removed until those things are furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Other 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 writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/23 someone gained access to my trading account and transferred {$2500.00} from my bank account to the trading account. Then they purchased {$2500.00} of XXXX 

Then they tried to transfer another {$2500.00} to the XXXX account, but I had locked my bank account. Coinbase however, also assumed the XXXX transfer was legit, and allowed the account to purchase another {$2500.00} of crypto. 

After the 1st transfer and before the 2nd, I figured out that the money in Coinbase was from a transfer from my checking account. Initially I didn't know that there was a fraudulent transfer and purchase of XXXX 

My bank didn't notify me of unusual activity, and my email account was also compromised, and a filter had been setup where all the notifications from Coinbase were diverted to trash automatically before I saw them. 

It had been a long time since I used the trading account, and just assumed that I had left open trades. I sold the crypto, and tried to transfer the money back to my account. 

At some point during this process I informed Coinbase of the fraudulent activity and froze the account. 

After I tried to transfer my money back to my account, coinbase informed me that I had to wait XXXX hours before transferring the money. No problem. At this time I assumed the ordeal was over, and the money stolen from my account, which I needed to pay bills at the end of the month would be back in my account for me to pay the things I needed to. 

Then I received a notification that I would need to wait a week. 

Then I received a notification that in order to unfreeze my account I had to prove my identity to coinbase. I went through the process. I emailed my drivers license, and completed the identity process. 

I assumed all was still OK, and that I would have the money back to pay the bills I needed at the end of the month. 

Then coinbase informed me I would have to wait 30 days to get my money. I called them to explain that I needed the money to pay my bills at the end of the month, and was then informed that I would need to wait 60 days before I could get my money. 

The explanation given was that I had to wait 60 days because they couldn't be sure that I was who I said I was, and that they were afraid of more fraudulent activity. 

This is not a valid reason to hold my money. I have already proved my identity, and nothing will change in the next 60 days. It seems to be some arbitrary hold to punish me. I will not be able to prove my identity any further no matter how long we wait. 

Now the end of this month is coming, and I need this money to pay my bills. 

The email address used for the coinbase account is XXXX I want to get my money out of the coinbase account, transfer it back to my checking account and close the coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: PR

Complaint narrative:
I received a collection notice of {$22.00}, about a XXXX XXXX. I never had that kind of XXXX. Reference # XXXX. XX/XX/2023 date of letter received

Company response to consumer: Closed with explanation