vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
Most of times U.S. BANK not only was doing FRAUDULENT PRACTICES AND GAMES but also at the time of closure of my checking account ending in XXXX the FUNDS/MONEY also have had WITHDRAWN/TAKEN on XX/XX/XXXX without my knowledge nor Officials of said U.S. BANK taken little troubles to inform me about where and with whom FUNDS lying? Moreover, Oh Yes prior to this WITHDRAWALS the U.S. BANK repeatedly DONE BIG BULUNDERS, in others committed Civil and Criminal OFFENCES by having informing " THERE IS NO FUNDS AT THE TIME OF CLOSURE OF MY CHECKING ACCOUNT. Again VERY RECENTLY U.S. BANK in its letter of XX/XX/XXXX tries to make 'Biggest CHEATING GAME and I QUOTE : " After a thorough investigation, we acknowledge that the investigation of these funds took longer than expected ''. UNQUOTE. Will U.S. BANK favour me ALL DETAILS of this information. U. S. BANK also returned my check number XXXX of XXXX XXXXXXXX XX/XX/XXXX with FAKE AND FRAUD REMARK " ACCOUNT CLOSED '' whereas my account was closed on XX/XX/XXXX. Also as FRAUD U.S. BANK returned my payment of {$1000.00} to XXXX XXXX XXXX  with FRAUD REMARK ACCOUNT FROZENED. WHEREAS U.S. BANK in its letter of XXXX/XXXX/XXXX said few words and I QUOTE " ONCE THE ACCOUNT IS CLOSED, ITEMS PRESENTED FOR PAYMENT WILL BE RETURNED " ACCOUNT CLOSED '' UNQUOTE. IN LIGHT THESE WORDS WHY U.S. BANK returned my these TWO PAYMENTS prior to closure my account which was closed on XX/XX/XXXX. TOO AS A FRAUD U.S. BANK repeatedly and repeatedly claimed that deposit I made of {$2300.00} on XX/XX/XXXX was returned unpaid WHEREAS this was CLEARED BY XXXX XXXX  whereas I asked U.S. BANK to send me proof if this check of {$2300.00} returned BUT not sent me evidence. LASTLY I WANT FIRM RESPONSE FROM U.S.BANK why WITHDRAWN funds of {$1800.00} withheld till XX/XX/XXXX whereas this fund was WITHDRAWNon XX/XX/XXXX. How and under circumstances officials of BANK WAKEUP after LAPSES OF BIG PERIOD for not only issue of CASHIER 'S CHECK BUT ALSO FOR TO MAKE A PHONE CALL TO ME AS A XXXX CALLED ME will Bank explained on this BIG ISSUE, A IMPORTSNT ONE.

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 2024-12-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity theft an identity thief created a real estate loan using my personal information without my knowledge, consent, or authorization. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, advising they were pursuing a non-judicial foreclosure on this identity theft related loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities. 
I must emphasize my intolerance towards negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. 
The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a matter of utmost seriousness.

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 2024-12-21 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: TX

Complaint narrative:
I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities. 
I must emphasize my intolerance towards negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. 
The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a matter of utmost seriousness.

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 2024-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a phone from XXXX ( Financed by TD BankXXXX XXXX ) and returned the phone after 1 week but they kept charging me every month since more than two years until now!! ..although I tried to contact them ( both the bank and the samsung ) so many times via phone, emails and mails ..filling a dispute even but nothing solve the issue.XXXX XXXX is confirming the return but TD bank refusing to refund the money and claiming that they refunded it and closed the case ( TD bank refunded the amount in XXXX that year but they re-charged me again the same amount the following month )!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: VA

Complaint narrative:
I took out a loan with Climb Credit ( Climb Loan Program, Loan ID : XXXX  ) to finance an educational program based on their claims that the program was thoroughly vetted for quality, job placement rates, and earning potential. The loan was for {$4400.00}, and the current balance is {$2400.00}. 

After completing the program, I discovered that it did not deliver the promised career opportunities or outcomes. Climb Credit misrepresented the program 's quality and did not adequately evaluate or verify these claims. This led me to make a financial decision based on incomplete and misleading information.

I have been paying the loan but continue to face significant financial strain due to late fees and interest accruals. For example : Interest accrues monthly ( e.g., {$13.00} on XX/XX/year>, {$12.00} on XXXXXX/XX/year> ). 
Late fees have been applied multiple times ( e.g., {$5.00} on XXXX XXXX and XX/XX/year> ). 
The company has not addressed my concerns or provided any relief for their misleading practices. I would not have taken this loan if I had known the program 's true outcomes. 

I am requesting an investigation into Climb Credits practices and financial relief for the deceptive loan I was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: FL

Complaint narrative:
1. On XXXX XXXX XXXX, I mailed letter to Coinbase to have them verify my XXXX son 's Coinbase account. I included my son 's XXXX XXXX and court documentation appointing me as the Personal Representative of my son 's account. To date, I have not heard back from Coinbase 2. On XXXX XXXX XXXX I requested Coinbase provide me a Call. They provided me with a verification code XXXX, but they NEVER CALLED ME BACK AS PROMISED.

3. On XXXX XXXX XXXX I was unsuccessful in getting the Coinbase " XXXX XXXX  '' to help me.

4. On XXXX XXXX XXXX I requested Coinbase provide me a Call. They provided me with a verification code XXXX but they NEVER CALLED ME BACK AS PROMISED. 

Bottomline : I have done everything possible to communicate with Coinbase on this matter. To facilitate transferring the assets in my XXXX  son 's Coinbase account, I have a Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NORTHERN HILLS COLLECTIONS INC.
State: TX

Complaint narrative:
The collection company is : NORTHERN HILLS CREDIT INC XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX The original collection was {$46.00} for an HOA fee that I do not owe. The HOA charged the fee nearly two years after I had sold the property and moved out of the state. 

HOA is : RESERVE ON XXXX XXXX XXXX XXXX, XXXX, SD XXXX The collection agency keeps adding more " fee 's '' to the debt so that it is now {$150.00} '' They will not respond to my direct contact. 

The collection company owner has a personal relationship with the HOA president. This fee is retaliation from the HOA president after I was involved in the expulsion of his son from the school where I once served as head of school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 

Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MOHELA
State: NJ

Complaint narrative:
I am facing XXXX  unresolved issues with MOHELA : I have not received a refund for my overpayment of {$21.00} on my XXXX Direct Loan. 
A payment of {$800.00} made on XX/XX/year>, was debited from my bank account but has not appeared on my MOHELA account. 
Despite contacting customer service over 10 times in the past three months, no action has been taken to resolve these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} - Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} - Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXXXXXX  PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME : ADDRESS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} XXXX XXXX ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( NO BILLING NAME ) ACCT # XXXX AMOUNT {$580.00} XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX AMOUNT {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} XXXX XXXX ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( NO BILLING NAME ) ACCT # XXXX AMOUNT {$580.00} XXXXXXXX XXXX XXXX XXXXXXXX ACCT # XXXX AMOUNT {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Each time I deposit a check over {$1000.00} dollars this banks takes its time to make my min available. I have to wait more than XXXX hours for checks that are from the state and city agencies. This is unacceptable when I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4600.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$740.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$720.00}, XXXX  Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$68.00}, XXXXXXXX XXXX XXXX XXXX, Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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