vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The internet criminals hacked my personal information knowing that I am in a process of grieving and I was looking for a full-time job. The criminals connected with me through XXXX, and then suggested to use XXXX and XXXX apps. I was trapped in the job scam. The criminals attacked me mentally continuously, and instructed me to wire the money from my XXXX checking account on XX/XX/2022 with amount of {$5000.00}, from my XXXX saving account on XX/XX/2022 with amount of {$95000.00} and on XX/XX/2022 with amount of {$100000.00}, to XXXX XXXX Bank, an online profile bank of Coinbase company. All transactions were completed and confirmed by Coinbase Company. However, all the money wired into Coinbase online profile bank were disappeared. 

I filed request on XX/XX/2022 with Coinbase company for recover these funds. Coinbase company emailed me the results of the investigation on XX/XX/2022 that " Coinbase has no information on ownership of external cryptocurrency addresses, and because this is an external process, there is no way to cancel, reverse, or recover these funds on your behalf. '' What Coinbase is saying, is that Coinbase has no idea where my money went, and Coinbase has no idea who the third party is and that who has wired out my money from their online profile bank. I just don't understand if an unknown third party is performing a criminal activity, wiring out somebody's money from Coinbase, why Coinbase do not block the transactions or hold the transactions if Coinbase do not recognize the third party in order to protect Coinbase clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like my personal information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When it came time for me to finance a mortgage on my home, I thought it would be best to go through the bank I have my personal and business accounts with for over 10 years. XX/XX/ 2021 I applied for a mortgage with Wells Fargo. I provided all the information and documents they asked for within a week. A few weeks went by and I heard nothing. I called on several occasions to finally get a hold of someone a month later telling me my application could not move forward and nothing more. I was so hurt and confused as nothing had been communicated to me as to why. I felt I was stuck in the mortgage I was in and almost too devastated to move on until a friend suggested to at least try another lender. So I did and I got approved. Nothing on my end change and the company actually processed my application and communicated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-13 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: ME

Complaint narrative:
I had already submitted a complaint here but havent heard anything. 
I have consolidated federal loans with Fedloan servicing and I am enrolled in the loan forgiveness program. I had unfortunately needed to do a XXXX  XXXX bankruptcy in 2013 for 5 years I talked to fed service about the loan forgiveness at that time or before I believe when it was XXXX maybe. Anyway during the XXXX  XXXX I demanded that my stir T loans be paid during this time to ensure I would be getting credit for the months while in the 5 year bankruptcy which I did I faithfully paid my monthly payment automatically through the bankruptcy liaison for the 5 years. Then I was told after the 5 years that because they ( fed service ) didnt have me in the right program that none of those payments would count. Then with Covid relief I was told that those payments would count and that someone would be reviewing and would let me know. Well they said that they still dont count and XXXX will b paying for another 8 hears on my 10 year plan ( Im a XXXX  and qualify for loan forgiveness ) I asked to speak with a supervisor and they gave me one and she said oh we shouldnt had taken any money from you and we will b reimbursing you all the money u paid in. ( which they never did ) I really would prefer to have the months count towards the Temporary loan forgiveness guidelines. Ya know I am in this ridiculous mess from my XXXX loans which I believe were originally only round XXXX I was misled also as I was originally told they would all b forgiven if I stayed in maine.and the interest rates are ridiculously high I will never get ahead Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like my personal information corrected

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX, I XXXX XXXX XXXX the consumer, notified TRANSUNION, XXXX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by TRANSUNION, XXXX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.

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 2022-03-13 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: VA

Complaint narrative:
On XXXX2022, I XXXX XXXX XXXX the consumer, notified XXXX, XXXX, & EXPERIAN ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, XXXX, & EXPERIAN. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.

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 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: LA

Complaint narrative:
I received threatening and harassing letters in the mail. This is mail fraud. There was also copyright infringement etc.

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 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged by XXXX XXXX from XX/XX/2021 every month until XX/XX/2021 contacted my bank they canceled my card and then told me the charges were authorized But I didn't authorize them contacted XXXX and they said they need the account info to refund it bur I've never had a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was taken advantage of due to malpractice while several laws have been broken under the FCRA. This has caused me financial turmoil, defamation of character. The reporting of this false information has hurt my ability to obtain credit.

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like my personal information corrected.

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 2022-03-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. Husband shall be responsible for the loan on this vehicle to XXXX, held Wifes name, holding wife harmless from collection there on. 

I filed a dispute with Experian in XX/XX/XXXX. On XX/XX/XXXX Experian reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted XXXX XXXX on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with Experian, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from XXXX dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and XXXX XXXX had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial hardship.

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 2022-03-13 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: GA

Complaint narrative:
In XX/XX/2021 XXXX completed a hard inquiry and I did not authorize this inquiry. I want it removed. I have not used them in years and they need to stop looking at me. I did not authorize them to do so.

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like my information on my credit report corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
please correct my credit files soon.

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
CIG financial is practicing very deceptive and unlawful credit reporting and debt collection practices. 

In the last 6weeks this company has published very controversial, contradictory and fraudulent information to the consumer credit report ( please see attached exhibits ). 

There has been a serious of updates and removal of late payments, followed by the reinsertion of of these false claims, that I'm in debt to this corporation. This company was paid using an open end consumer plan and was paid the day I left the lot. 

Yet, CIG continues these abusive antics in attempt to force me to pay FEDERAL RESERVE NOTES for a 'debt ' : WHICH IS COMPLETELY UNLAWFUL yesterday, CIG Updated the credit report claiming this account is again delinquent. Just last week, this company removed all past due payment history and stated that account has been paid These practices are deceptive, unlawful, and extremely damaging. Please help, I've tried disputes, would like to save the time and energy that will be required to litigate and WIN I'm court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like for my credit file to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: TN

Complaint narrative:
I previously invested on the peer-to-peer borrowing platform LendingClub. Due to poor performance, I stopped new investments a few years ago. All of the notes that I had invested were either paid or charged off, and my account was subsequently closed. After that, there were recoveries on previously charged off loans. LendingClub is generating statements that show I have a cash balance, but I am unable to withdraw it. On the website, clicking any options related to bank accounts or transferring money brings me to the page that allows me to download my PDF statements. 

I attempted to e-mail LendingClub regarding this issue at the address listed on their help page, but received a bounce message and an auto-reply that the box is not monitored.

Company response to consumer: Closed with explanation