vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is more than one issue : For over 2 years Ive been contacting Experian about a computer glich in their Experian Boost system that is through XXXX. Im not sure how it works but EVERY SINGLE DAY, at LEAST once a day, my bill-paying bank account from XXXX XXXX XXXXXXXX gets disconnected from the XXXX XXXX system so it doesnt see all the bills I pay on time every month. XXXX  has already removed my utility bill, my cell phone bill and my XXXX bill. This issue is frustrating. 
Also, my credit score just dropped XXXX points because, according to XXXX, all my credit card companies are not reporting my credit utilization. Only a few. Ive worked on my credit score for 7 years now. I understand how credit works better now but the XXXX point decrease seems highly unfair given I just graduated from Freedom Debt Relief with zero debt. Once you guys fixed the XXXX error, my score dropped by XXXX points. Why is this happening? 
And Why isnt anyone at XXXX fixing the computer glich that keeps disconnecting my only bill paying account? 
And, Why arent the credit card companies reporting my current credit utilization?!!!!! 
I have no debt, I pay my bills every month on time yet my score went down by XXXX. Please fix what you can. This is so unfair. Ive been crying all day. What a waste paying back all these corporations and not saving for myself. Shame on me for trying to be a responsible citizen. XXXX POINTS!!!!

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 2022-01-27 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: CA

Complaint narrative:
Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with XXXX charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a XXXX reports all three of their different platforms unless you are a paid customer?

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 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I don't know we're this debt. Came from was never contacted or notified or asked for this collection and I have medical insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have drafted the following timeline of my entire Coinbase history. Please see the references below. 

Overview : On XX/XX/2021 at XXXX PM : I deposited {$24000.00} on Coinbase Pro. 

On XX/XX/2021 at XXXX AM : I made a {$5000.00} purchase of Bitcoin on Coinbase Pro. This resulted in a {$19000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

On XX/XX/2021 at XXXX PM : I made a withdrawal of {$1000.00} USD on Coinbase Pro. This resulted in a {$18000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

Fraudulent Activity Timeline : On XX/XX/2021 at XXXX AM : The hacker withdrew the entire total of XXXX XXXX ( value of {$6300.00} USD ) to the following Destination Address : XXXX On XX/XX/2021 at XXXX AM : The hacker transferred {$18000.00} USD from Coinbase Pro to Coinbase. 

On XX/XX/2021 at XXXX AM : The hacker made a {$18000.00} USD purchase of Bitcoin on Coinbase, resulting in a Bitcoin balance of XXXX. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker unsuccessfully attempted XXXX transactions that were all canceled. 

On XX/XX/2021 at XXXX AM : I called Coinbase and locked the account for suspicious activity. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker successfully completed 127 transactions, resulting in a Bitcoin withdrawal of XXXX ( value of {$6400.00} USD ) to the following Destination Address : XXXX Conclusion : The total amount of Bitcoin that was stolen was XXXX ( i.e. XXXX + XXXX ) ; In USD, this was a total value of {$12000.00} ( i.e. {$6300.00} + {$6400.00} ) The remaining balance in my portfolio on XX/XX/2021 was {$90.00} USD and XXXX XXXX on Coinbase. 

I would like an explanation on how I locked my account on XX/XX/2021 at XXXX AM and the hacker was successfully able to complete 127 transactions, resulting in a Bitcoin withdrawal of XXXX on XX/XX/2021 from XXXX AM to XXXX AM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

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 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX the company Medicredit contacted me about an alleged debt. I responded on XXXX XXXX asking for debt validation. On XX/XX/XXXX, I sent my second response to Medicredit as I only received a medical bill, which does not constitute debt validation. XX/XX/XXXX, I received a total of 6-8 letters with varying amounts due and varying account numbers from Medicredit. Some were duplicate amounts with different account numbers and some had different account numbers with same amts due. I responded to Medicredit on XX/XX/XXXX, again, asking for debt validation, specifically something that bares my signature. As of today, XX/XX/XXXX, I received a notice from XXXX that Medicredit has filed the collection on my credit file. This is highly illegal as I am still in the dunning period and they have yet to verify the debt belongs to me. All my communication to them has been sent certified, which I have receipts of as well as copies of ALL our communication which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I did a Mortage Assistance application after being denied 3x for forbearance because they said I exhausted my time when I used it during COVID-19 being laid off in XXXX. I'm currently unemployed and did the mortgage application on XX/XX/XXXX, XX/XX/XXXX. I have sent the requested documents to the email they gave and no avail and have been calling over a dozen times to get information. I keep on being told different information and not allowed to speak to someone in loss mitigation that potentially can help me. I have sent the requested documents several times and keep getting conflicting information including they have not received anything. I'm only asking for 2-3 months to get caught up as I start back to work f/t next week. The communication is horrible I have to verify and keep telling customer service reps that are clueless and have to repeat my story over and over like already over 50 times. This is very aggravating, stressful, and can't even sleep. I need help!!! And now all of a sudden after speaking with someone I can't access my account online. It's blocked. They won't even email or call.

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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
After complain filed each time I call the representatives state that they cant handle my call and has to be transferred over to manager. Manager doesnt answer calls via transfer or via provided number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
I have been a victim of fraudulent activity, and this has hurt my credit which is making it hard for me to apply for any assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: FL

Complaint narrative:
I have been a victim of fraudulent activity, and this has hurt my credit which is making it hard for me to apply for any assistance,

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 2022-01-27 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: CA

Complaint narrative:
Cracked since the data breach of Equifax I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with XXXX charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a XXXX reports all three of their different platforms unless you are a paid customer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My husband and I hold a spousal consolidation Federal Family Education Loan ( FFEL ) - a program that was terminated in the early XXXX - which prevents my burden from becoming eligible for public service loan forgiveness, despite that I have been teaching in a qualifying public university for 19 years and have never missed a student loan payment since I started to repay my debt in XXXX. The original loan was for +/- {$85000.00} and to date, we have paid a total of +/- {$130000.00} in principal and interest. 

Apparently, although FFELs are federally guaranteed loans, they can be backed by banks or private lenders ( ours is backed by the State of New York ) and, currently, do not meet the US Department of Educations qualifying criteria for the PSLF program. Of course, the vast majority of students who took out FFEL loans did so long before the PSLF program was created in XXXX and, therefore, could not anticipate the criteria that would be used to determine which loans would qualify for a program that did not yet exist. For this reason, those borrowers under the FFEL program who meet the current criteria in place for PSLF should be grandfathered into the forgiveness program. They are federal loans as well as indicated in the very name of the program under which they have been issued. I should note that at the time of consolidation in XXXX, my husband and I were never told about these differences between FFEL and direct loans.

Furthermore, the US Department of Education has severed millions of us from any kind of relief in the future. Borrowers with spousal consolidation FFEL loans can not reconsolidate into a new one a direct loan that is considered eligible under PSLF even if it means restarting the clock and making timely payments for an additional 10 years. There is no mechanism in place under which this can be done. In short, loan conversion is not possible and no relief is available to some of the longest-paying borrowers in the student loan system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to Portfolio Recovery Associates. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My wallet was lost around XX/XX/XXXX In XXXX Tx, my XXXX card was used on XX/XX/2021 for {$210.00}, my XXXX XXXX card was used for {$160.00} and {$360.00} was used from my checking account with fifth third bank. I have disputed all charges with all three consumers however XXXX and fifth third bank rejected my disputes due to my cards being used. I tried explaining yes my cards were used because my wallet was found and whoever found it used the cards. Im unsure as to how they used my credit cards without an ID to match the card and the pin to use my debit cards however thats {$740.00} taken from me and Id like all the assistance I can get to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX someone walked into a Wells Fargo Branch in XXXX Florida and withdrew {$5000.00} from my joint account. I was not provided any information requested such as how did this happen or why it happened in the first place. My money was returned to my account on XX/XX/XXXX and I have not been contacted since by Wells Fargo with any explanation. I had submitted a police complaint and an investigation was opened. A subpoena was submitted by the police dept and never responded to which led to the case being closed due to lack of cooperation on Wells Fargo part. I have the letter where Wells Fargo explains it will give the Branch Manager permission to share the withdrawal slip as well as video footage as well as communication from the detective alerting me to the fact that they would not share any information and were being " difficult ''.

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 2022-01-27 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-27 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: NC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Wednesday, XX/XX/2022, I received a text message from phone number XXXX that said the following : " Free Msg : Wells Fargo Bank Fraud Dept : XXXX Did You Make A Scheduled XXXX Transfer for {$2000.00} : Reply Yes Or No. CA XXXX OPt Out Reply Stop '', to which I replied, " No ''. Another text came reading the following : " Wells Fargo Bank Fraud Dept : Thank You No Further Action Is Needed A Customer Service Representative Will Be Contacting You Shortly @ XXXX ''. Shortly following this message, the call came in, I answered and a man who said he is a WF representative explained that there had been unauthorized transfers from my checking account using XXXX to a XXXX XXXX XXXX account. He then told me to sign on to my online banking account, register my and phone number to be a recipient in XXXX, and then send the money back to myself to reverse the unauthorized transfers. I did so, first, in the amount of {$1500.00} and again in the amount of {$1000.00}. After doing this, I went back to my checking account and noticed that the amount was gone and asked the rep what happened to my money and that I didn't understand what was going on. The rep then got his " manager '' who told me I needed to make another transfer because the other two may not have gone through. At this point, I realized I was being scammed, hung up and immediately called actual Wells Fargo to report the scam. They opened up a claim for each transaction amount and told me they would investigate and if the claims were substantiated, they would provide me with a credit for the amounts in 10 business days. I heard nothing after 10 business days, so I called this afternoon ( XX/XX/2022 ) ( business day 11 ), to check the status of my claims. That is when the WF fraud rep told me that the claims were investigated and that I authorized the transfers so they would not be giving me a credit despite being a victim of an apparent and well known scam. The rep then explained the only thing they could do was request Bank XXXX XXXX send back the money, and if XXXX agreed, WF would issue me the credit. I then asked to speak with someone in WF 's escalation division and was connected with another rep who explains the same info as did the previous rep. He eventually offered to file a customer complaint on my behalf with WF about the bank 's policy on erroneous XXXX transfers, and informed that letters were being sent to me regarding the outcome of WF 's investigations of my claims.

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 2022-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
on XX/XX/2021 payment was made online using my routing number and checking number saved in their system. 
on XX/XX/2021 did the same online payment and they say the bank rejected it because of the account number. I just checked and it is now wrong!! it wasn't wrong last month..!! they added an extra number in my account number making it WRONG. 
The only way to get hold of them is a XXXX number that says the call can not be completed at this time. No email address... 
Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation